|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 LCRA Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
LCRA Credit Union's 6 Month Regular/ IRA rates are at 3.95%, 12 Month Regular/ IRA rates are at 3.75%, 18 Month Regular/ IRA rates are at 3.75%, 24 Month Regular/ IRA rates are at 3.25%. LCRA Credit Union's Personal Loan Rates are at 11.25%. MonitorBankRates evaluates the financial stability of LCRA Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.39%. Rates last updated and verified on 08/28/2026. LCRA Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at LCRA Credit Union? Share your experience about LCRA Credit Union by leaving a review below, or read customer reviews before you decide to use LCRA Credit Union. 
LCRA Credit Union CD Rates
LCRA Credit Union Savings Rates
LCRA Credit Union Checking Rates
LCRA Credit Union Auto Loan Rates
LCRA Credit Union Credit Card Rates
LCRA Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for LCRA Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather LCRA Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with LCRA Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
LCRA Credit Union
Website
https://lcracu.org
Address
3505 Montopolis Dr Bldg A,
Austin, TX 78744
Phone
737-212-0030
Fax
737-212-0040
President
Jonathan Riley
CEO
Melissa Reyes
Full-Time Employees
5
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.39%
Return on Assets (ROA)
0.1139%
Return on Equity (ROE)
0.7317%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
20,767,812
Total Amount of Shares and Deposits
17,368,528
Total Shares and Deposits < 1 Year
16,600,292
Total Shares and Deposits 1 3 Years
768,236
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,265
Total Uninsured Shares and Deposits > $250K (F+J)
21,265
Total Insured Shares and Deposits > $250K (item 17 less item K)
17,347,263
Total Interest Expense (Sum of items 6 8)
27,848
Share Certificates
78
Number of Accounts for Share Drafts
622
IRA KEOGH Accounts
11
Number of Accounts for Regular Shares
2,276
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
887,373
Total Liabilities
17,534,997
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for LCRA Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for LCRA Credit Union
Frequently Asked Questions About LCRA Credit UnionHow many branches does LCRA Credit Union operate?LCRA Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join LCRA Credit Union?Yes, to access services at LCRA Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, LCRA Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, LCRA Credit Union provides members with tools to manage their accounts and build a solid financial history. Does LCRA Credit Union offer online and mobile banking?Most modern institutions like LCRA Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://lcracu.org. Current LCRA Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Communitywide Federal Credit Union
Transit Workers Federal Credit Union
Kitsap Credit Union
Midcoast Federal Credit Union
Stephens County Community Federal Credit Union
Energy Capital Credit Union
Temple Inland Federal Credit Union
Brazos Community Credit Union
New England Teamsters Federal Credit Union
Canopy Federal Credit Union
Auburn University Credit Union
GLASS CITY
United Catholics Federal Credit Union
NFG #2 Federal Credit Union
NW Preferred Federal Credit Union
Farmers Federal Credit Union
HawaiiUSA Federal Credit Union
Saco Valley Credit Union
TUCOEMAS
Poly Scientific Employees Federal Credit Union
West Branch Valley Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking