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Lennox Employees Credit Union Rates & Review September 2026

Lennox Employees Credit Union's 18 month 18MO SPECIAL RATE rates are at 4.58%, 18 month 18MO SPECIAL RATE rates are at 4.16%, 30 MO SPECIAL RATE rates are at 4.06%, 18 month 18MO SPECIAL RATE rates are at 3.80%, 36 month 36MO Regular Rate rates are at 3.29%. Lennox Employees Credit Union's money market rates are at 1.00%. Lennox Employees Credit Union's Personal Loan Rates are at 4.24%. MonitorBankRates evaluates the financial stability of Lennox Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.72%. Rates last updated and verified on 09/03/2026.

Lennox Employees 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 Lennox Employees Credit Union? Share your experience about Lennox Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Lennox Employees Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.72%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Lennox Employees Credit Union
Lennox Employees Credit Union
1004 E Main St
Marshalltown, IA 50158-2136
https://www.lennoxecu.com
Member NCUA

Lennox Employees Credit Union CD Rates

Product Rate APY Term View More
18 month 18MO SPECIAL RATE 4.50% 4.58% 18 months
Min Balance $100,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
18 month 18MO SPECIAL RATE 4.10% 4.16% 18 months
Min Balance $10,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
30 MO SPECIAL RATE 4.00% 4.06% 30 months
Min Balance $1,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
18 month 18MO SPECIAL RATE 3.75% 3.80% 18 months
Min Balance $500
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
36 month 36MO Regular Rate 3.25% 3.29% 36 months
Min Balance $50,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
24 month 24MO REGULAR 3.20% 3.23% 24 months
Min Balance $100,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
24 month 24MO Regular Rate 3.15% 3.18% 24 months
Min Balance $50,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
24 month 24MO Regular Rate 3.10% 3.13% 24 months
Min Balance $1,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
24 month 24MO Regular Rate 3.00% 3.03% 24 months
Min Balance $500
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
36 month 36MO Regular Rate 3.00% 3.03% 36 months
Min Balance $1,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
12 month 12MO Regular Rate 2.95% 2.98% 12 months
Min Balance $1,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
36 month 36MO Regular Rate 2.95% 2.98% 36 months
Min Balance $500
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
60 month 60MO Regular Rate 2.95% 2.98% 60 months
Min Balance $100,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
12 month 12MO Regular Rate 2.90% 2.93% 12 months
Min Balance $500
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
60 month 60MO Regular Rate 2.90% 2.93% 60 months
Min Balance $50,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
60 month 60MO Regular Rate 2.80% 2.83% 60 months
Min Balance $500
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
9 month 9MO Regular Rate 2.75% 2.77% 9 months
Min Balance $1,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
9 month 9MO Regular Rate 2.55% 2.57% 9 months
Min Balance $500
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
6 month 6MO Regular Rate 2.50% 2.51% 6 months
Min Balance $1,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
6 month 6MO Regular Rate 2.45% 2.46% 6 months
Min Balance $500
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%

Lennox Employees Credit Union Savings Rates

Product Rate APY View More
CHRISTMAS CLUB 0.15% 0.15%
Min Balance $200
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
KIRBY KIDS CLUB 0.15% 0.15%
Min Balance $5
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%

Lennox Employees Credit Union Money Market Rates

Product Rate APY View More
MONEY MARKET 2.00% 2.02%
Min Balance $250,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
MONEY MARKET 1.10% 1.11%
Min Balance $10,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
MONEY MARKET 1.00% 1.00%
Min Balance $1,000
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%

Lennox Employees Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HOME EQUITY LOANS - - 4.74% 5 YEAR FIXED RATE
Details As Low As; Up to 80% LTV
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
HOME EQUITY LOANS - - 5.54% 5 YEAR FIXED RATE
Details As Low As; 81-90% LTV
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
HOME EQUITY LOANS - - 5.74% 7 YEAR FIXED RATE
Details As Low As; 81-90% LTV
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
HOME EQUITY LOANS - - 5.84% 10 YEAR FIXED RATE
Details As Low As; 81 TO 90 % LTV
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%

Lennox Employees Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles, Boats & Trailer over 16 Loan - - 4.24% Up to 48 Months
Details As Low As; MINIMUM LOAN AMOUNT $25,000.00
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan - - 4.44% 36 Months
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan - - 4.74% 61 to 72 Month
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan - - 4.74% 60 Months
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan - - 4.94% 61 to 72 MONTHS
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan - - 5.24% 73 to 84 Months
Details As Low As; MINIMUM LOAN AMOUNT $25,000.00
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
2018 & Older Used Vehicles, Boats & Trailer over16 Loan - - 5.34% 24 to 36 Months
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
2018 & Older Used Vehicles, Boats & Trailer over16 Loan - - 5.74% 49 to 60 Months
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
2018 & Older Used Vehicles, Boats & Trailer over16 Loan - - 8.50% Up to 36 Months
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%
2018 & Older Used Vehicles, Boats & Trailer over16 Loan - - 8.75% 37 to 48 Months
Details As Low As
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%

Lennox Employees Credit Union Credit Card Rates

Product Rate APR View More
Visa 9.90% 9.90%
Details fixed rate with rewards. Rates are stated as APR - annual percentage rate. Rates are subject to change without notice. Rates effective as of 6/30/2026. Please Call and Talk to Loan Officer Today!
Last Updated 09/03/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.72%

Financial Health History

Lennox Employees Credit Union’s Texas Ratio stayed near 5.24% in Q2 2023 to 5.72% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4% 2.0★ 8% 3.0★ 12% 4.0★ 16% 5.0★ 15% Verified Healthy line 5.24% A+ Q2 2023 A+ Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 5.72% A+ Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$73M5.72%5.0A+
December 31, 2025$71M11.56%5.0A
September 30, 2025$69M12.18%5.0A
June 30, 2025$69M13.92%5.0A
March 31, 2025$68M6.04%5.0A
December 31, 2024$67M6.77%5.0A
September 30, 2024$66M4.60%5.0A+
June 30, 2024$62M6.06%5.0A
March 31, 2024$62M9.82%5.0A
December 31, 2023$61M7.24%5.0A
September 30, 2023$60M4.93%5.0A+
June 30, 2023$61M5.24%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Lennox Employees 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 Lennox Employees 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 Lennox Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lennox Employees Credit Union
Address 1004 E Main St, Marshalltown, IA 50158-2136
Phone 641-754-4501
Fax 641-754-4505
President Travis Keeler
CEO Carl Mundth
Full-Time Employees 15
Part-Time Employees 1
Branch Locations 1
ATM Locations 2
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.72%
Return on Assets (ROA)
-0.0558%
Return on Equity (ROE)
-0.6497%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
72,683,094
Total Amount of Shares and Deposits
66,467,122
Total Shares and Deposits < 1 Year
53,446,172
Total Shares and Deposits 1 3 Years
12,942,600
Total Shares and Deposits > 3 Years
78,350
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,654,317
Total Uninsured Shares and Deposits > $250K (F+J)
2,654,317
Total Insured Shares and Deposits > $250K (item 17 less item K)
63,812,805
Total Interest Expense (Sum of items 6 8)
342,884
Share Certificates
727
Number of Accounts for Share Drafts
2,920
IRA KEOGH Accounts
125
Number of Accounts for Regular Shares
7,654
Money Market Shares
202
Net Income (unless the amount is already included in Undivided Earnings)
-40,560
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)
4,446,289
Total Liabilities
66,655,712
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Lennox Employees Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About Lennox Employees Credit Union

How many branches does Lennox Employees Credit Union operate?

Lennox Employees 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 Lennox Employees Credit Union?

Yes, to access services at Lennox Employees 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, Lennox Employees 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, Lennox Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lennox Employees Credit Union offer online and mobile banking?

Most modern institutions like Lennox Employees 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://www.lennoxecu.com.

Current Lennox Employees Credit Union Rates

  • 12-Month CD2.93%
  • 18-Month CD3.80%
  • 24-Month CD3.03%
  • 60-Month CD2.83%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.