What are the current interest rates at LM Federal Credit Union?

Current rates for LM Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.40%, 24-Month CD: 3.15%, Savings: 0.35%, MMA: 1.50%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
LM Federal Credit Union

iAdvertiser Disclosure

LM Federal Credit Union Rates & Review October 2026

Q: How many branches does LM Federal Credit Union operate?

LM Federal 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.

Q: Is a member application needed to join LM Federal Credit Union?

Yes, to access services at LM Federal 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, LM Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

LM Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 12 Month CD, 0.35% APY on savings, 1.50% APY on money market accounts, 0.10% APY on checking, personal loans from 8.49% APR, and credit cards from 12.65% APR, according to rates verified by MonitorBankRates. Other LM Federal Credit Union CD rates include IRA, Roth or ESA 12 Month CD at 4.00%, IRA, Roth or ESA 6 Month CD at 3.70%, and IRA, Roth or ESA 6 Month Jumbo CD at 3.70%. MonitorBankRates evaluates the financial stability of LM Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.80%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

LM Federal Credit Union
MAIN OFFICE

101 CHESAPEAKE PARK PLZ
BALTIMORE, MD 21220

https://www.lmfcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

LM Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	4.00%	12 Month
Min Balance $500 Details Regular Certificate Accounts; Maximum of $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 12 Month Certificate	-	4.00%	12 Month
Min Balance $500 Details Maximum of $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Certificate	-	3.70%	6 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Jumbo Certificate	-	3.70%	6 Month
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
6 Month Certificate	-	3.60%	6 Month
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
6 Month Jumbo Certificate	-	3.60%	6 Month
Min Balance $25,000 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 12 Month Jumbo Certificate	-	3.60%	12 Month
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
12 Month Jumbo Certificate	-	3.50%	12 Month
Min Balance $25,000 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 18 Month Certificate	-	3.50%	18 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 18 Month Jumbo Certificate	-	3.50%	18 Month
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
18 Month Certificate	-	3.40%	18 Month
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
18 Month Jumbo Certificate	-	3.40%	18 Month
Min Balance $25,000 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 24 Month Certificate	-	3.25%	24 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 24 Month Jumbo Certificate	-	3.25%	24 Month
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 36 Month Certificate	-	3.25%	36 Month
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 36 Month Jumbo Certificate	-	3.25%	36 Month
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
24 Month Certificate	-	3.15%	24 Month
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
24 Month Jumbo Certificate	-	3.15%	24 Month
Min Balance $25,000 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
36 Month Certificate	-	3.15%	36 Month
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
36 Month Jumbo Certificate	-	3.15%	36 Month
Min Balance $25,000 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Certificate	-	2.10%	3 Month
Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Jumbo Certificate	-	2.10%	3 Month
Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3 Month Certificate	-	2.00%	3 Month
Min Balance $1,000 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3 Month Jumbo Certificate	-	2.00%	3 Month
Min Balance $25,000 Details Regular Certificate Accounts Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Savings Rates

Product	Rate	APY
IRA, Roth or ESA Shares (Savings)	-	0.35%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Club & Escrow Accounts	-	0.25%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Share (Savings) Accounts (Primary & Secondary)	-	0.25%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.50%
Min Balance $200,000 Details Balance: from $200,000.00; APY* = Annual Percentage Yield; IRA = Individual Retirement Account; Roth; ESA Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.45%
Min Balance $100,000 Details Balance: from $100,000.00; APY* = Annual Percentage Yield; IRA = Individual Retirement Account; Roth; ESA Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.35%
Min Balance $50,000 Details Balance: from $50,000.00; APY* = Annual Percentage Yield; IRA = Individual Retirement Account; Roth; ESA Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.25%
Min Balance $25,000 Details Balance: from $25,000.00; APY* = Annual Percentage Yield; IRA = Individual Retirement Account; Roth; ESA Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.95%
Min Balance $50,000 Details Balance: from $50,000.00; APY* = Annual Percentage Yield; IRA** = Individual Retirement Account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.95%
Min Balance $100,000 Details Balance: from $100,000.00; APY* = Annual Percentage Yield; IRA** = Individual Retirement Account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $2,500 Details Balance: from $2,500.00; APY* = Annual Percentage Yield; IRA** = Individual Retirement Account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $10,000 Details Balance: from $10,000.00; APY* = Annual Percentage Yield; IRA** = Individual Retirement Account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $25,000 Details Balance: from $25,000.00; APY* = Annual Percentage Yield; IRA** = Individual Retirement Account Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	-	0.10%
Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	3.99%	-	3.99%	Up to 48 months
Details As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
New Vehicle Loan	4.24%	-	4.24%	49 to 60 months
Details As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2020-2023 Model Year)	4.49%	-	4.49%	Up to 48 months
Details As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
New Vehicle Loan	4.74%	-	4.74%	61 to 72 months
Details As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2020-2023 Model Year)	4.74%	-	4.74%	49 to 60 months
Details As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2017 - 2019) - Up to 48 months	-	-	5.24%	Up to 48 months
Details Used Vehicle Loans (purchase or refinance); Rate/APR as low as; 0% down; Monthly Payment Per $1,000 excluded; As Low As; Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%; minimum rate for model years 2017 thru 2019 is 5.24% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2020-2023 Model Year)	5.24%	-	5.24%	61 to 72 months
Details As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
New Vehicle Loan	5.49%	-	5.49%	73 to 84 months
Details As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000) Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2017 - 2019) - 49 to 60 months	-	-	5.49%	49 to 60 months
Details Used Vehicle Loans (purchase or refinance); Rate/APR as low as; 0% down; As Low As; Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%; minimum rate for model years 2017 thru 2019 is 5.24% Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2017 - 2019) - 61 to 72 months	-	-	5.99%	61 to 72 months
Details Used Vehicle Loans (purchase or refinance); Rate/APR as low as; 0% down; As Low As; Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%; minimum rate for model years 2017 thru 2019 is 5.24% Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	4.49%	4.49%	Up to 6 years
Details As Low As; Loan amount: $25,000 - $100,000; Monthly payment per $1,000 not recorded Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	4.49%	4.49%	Up to 10 years
Details As Low As; Loan amount: $25,000 - $100,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Motorcycle Loans	4.49%	4.49%	4 years (48 months)
Details As Low As; New or used motorcycle (up to 10 years old); Assuming 20% down and automatic repayment; used rates 1/2% higher; Other rates may apply depending on term, down payment and automatic repayment Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loans	4.49%	4.49%	Up to 6 years
Details As Low As; Loans $25,000 - $100,000; Rate/APR as low as; Minimum rate 4.49%; Maximum loan $125,000.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loans	4.49%	4.49%	Up to 10 years
Details As Low As; Loans $25,000 - $100,000; Rate/APR as low as; Minimum rate 4.49%; Maximum loan $125,000.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	4.74%	4.74%	Up to 15 years
Details As Low As; Loan amount: $25,000 - $125,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Motorcycle Loans	4.74%	4.74%	5 years (66 months)
Details As Low As; New or used motorcycle (up to 10 years old); Assuming 20% down and automatic repayment; used rates 1/2% higher; Other rates may apply depending on term, down payment and automatic repayment Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loans	4.74%	4.74%	Up to 15 years
Details As Low As; Loans $25,000 - $125,000; Rate/APR as low as; Terms up to 15 years available (depends on value); Maximum loan $125,000.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	5.24%	5.24%	Up to 6 years
Details As Low As; Loan amount: $15,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loans	5.24%	5.24%	Up to 6 years
Details As Low As; Loans $15,000 - $24,999; Rate/APR as low as; Maximum loan $125,000.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	5.74%	5.74%	Up to 6 years
Details As Low As; Loan amount: Under $15,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	5.74%	5.74%	Up to 10 years
Details As Low As; Loan amount: $15,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loans	5.74%	5.74%	Up to 6 years
Details As Low As; Under $15,000; Rate/APR as low as; Maximum loan $125,000.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loans	5.74%	5.74%	Up to 10 years
Details As Low As; Loans $15,000 - $24,999; Rate/APR as low as; Maximum loan $125,000.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	6.24%	6.24%	Up to 10 years
Details As Low As; Loan amount: Under $15,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loans	6.24%	6.24%	Up to 10 years
Details As Low As; Under $15,000; Rate/APR as low as; Maximum loan $125,000.00 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	12.65%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 12.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal & Home Improvement Loans	8.49%
Details As Low As; A fixed rate unsecured loan. Repayment term is based on the loan amount. Call for details. Minimum loan of $300, maximum loan of $25,000. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Educational / Computer Loans	7.49%	-	7.49%
Details As Low As; Repayment term is based on the loan amount; Max term 24 months; Minimum loan of $500, maximum loan of $5,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Share Loans	3.55%	-	3.55%
Details As Low As; Rate/APR as low as 3.55%; Borrow against share/savings account; Monthly payment quote available by call Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

LM Federal Credit Union’s Texas Ratio fell from 1.47% in Q3 2023 to 0.80% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$60M	0.80%	5.0	A+
March 31, 2026	$62M	0.39%	5.0	A+
December 31, 2025	$59M	0.69%	5.0	A+
September 30, 2025	$60M	1.27%	5.0	A+
June 30, 2025	$60M	0.60%	5.0	A+
March 31, 2025	$60M	0.64%	5.0	A+
December 31, 2024	$58M	1.15%	5.0	A+
September 30, 2024	$57M	2.02%	5.0	A+
June 30, 2024	$57M	0.86%	5.0	A+
March 31, 2024	$57M	0.77%	5.0	A+
December 31, 2023	$53M	0.60%	5.0	A+
September 30, 2023	$54M	1.47%	5.0	A+

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 LM Federal 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 LM Federal 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 LM Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LM Federal Credit Union

Website https://www.lmfcu.org

Address 101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220

Phone 410-687-5240

Fax 410-687-1322

President TIMOTHY PRESTON

CEO MARK BOLD

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 3

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.80%

Return on Assets (ROA)

0.7060%

Return on Equity (ROE)

5.6941%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

60,304,819

Total Amount of Shares and Deposits

52,453,937

Total Shares and Deposits < 1 Year

51,102,129

Total Shares and Deposits 1 3 Years

1,341,290

Total Shares and Deposits > 3 Years

10,518

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,538,657

Total Uninsured Shares and Deposits > $250K (F+J)

3,538,657

Total Insured Shares and Deposits > $250K (item 17 less item K)

48,915,280

Total Interest Expense (Sum of items 6 8)

272,671

Share Certificates

355

Number of Accounts for Share Drafts

1,626

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,329

All other shares

368

Money Market Shares

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)

12,354,489

Total Liabilities

52,827,643

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

LM Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/lm-federal-credit-union-rates-review-6039">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for LM Federal 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for LM Federal Credit Union

Frequently Asked Questions About LM Federal Credit Union

How many branches does LM Federal Credit Union operate?

LM Federal 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 LM Federal Credit Union?

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

Does LM Federal Credit Union offer online and mobile banking?

Most modern institutions like LM Federal 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.lmfcu.org.

Current LM Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.40%
24-Month CD3.15%
Savings0.35%
MMA1.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

LM Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

LM Federal Credit Union Texas Ratio

LM Federal Credit Union Health Trend

LM Federal Credit Union CD Rates

LM Federal Credit Union Savings Rates

LM Federal Credit Union Money Market Rates

LM Federal Credit Union Checking Rates

LM Federal Credit Union Auto Loan Rates

LM Federal Credit Union RV, Boat and Powersport Loan Rates

LM Federal Credit Union Credit Card Rates

LM Federal Credit Union Personal Loan Rates

LM Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

LM Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About LM Federal Credit Union

How many branches does LM Federal Credit Union operate?

Is a member application needed to join LM Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does LM Federal Credit Union offer online and mobile banking?

Current LM Federal Credit Union Rates

Compare to Other Credit Unions