|
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.
 Long Reach Federal Credit Union Rates & Review October 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: October 23, 2026
Long Reach Federal Credit Union's 60 Month IRA CD rates are at 3.70%, CD - 60 Month rates are at 3.70%, 48 Month IRA CD rates are at 3.65%, CD - 48 Month rates are at 3.65%, 36 Month IRA CD rates are at 3.60%. Long Reach Federal Credit Union's savings rates are at 0.10%. Long Reach Federal Credit Union's money market rates are at 0.15%. Long Reach Federal Credit Union's Personal Loan Rates are as low as 11.25%. Long Reach Federal Credit Union's Credit Card Rates are at 10.90%. MonitorBankRates evaluates the financial stability of Long Reach Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.53%. Rates last updated and verified on 10/23/2026. Long Reach 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 Long Reach Federal Credit Union? Share your experience about Long Reach Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Long Reach Federal Credit Union. Long Reach Federal Credit Union
Middlebourne 315 Main St
https://www.lrefcu.org Middlebourne, WV 26149-9602  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. Long Reach Federal Credit Union CD Rates
Long Reach Federal Credit Union Savings Rates
Long Reach Federal Credit Union Money Market Rates
Long Reach Federal Credit Union Student Loan Rates
Long Reach Federal Credit Union Credit Card Rates
Long Reach Federal Credit Union Personal Loan Rates
Long Reach Federal Credit Union Other Rates
Financial Health HistoryLong Reach Federal Credit Union’s Texas Ratio rose from 1.84% in Q3 2023 to 6.53% in Q2 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Long Reach 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 Long Reach 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 Long Reach Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Long Reach Federal Credit Union
Website
https://www.lrefcu.org
Address
315 Main St,
Middlebourne, WV 26149-9602
Phone
304-758-4308
Fax
304-758-4236
President
Gregory Arnott
CEO
Steven Reed
Full-Time Employees
33
Part-Time Employees
0
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.53%
Return on Assets (ROA)
0.5172%
Return on Equity (ROE)
5.2172%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
193,219,437
Total Amount of Shares and Deposits
173,789,785
Total Shares and Deposits < 1 Year
161,268,011
Total Shares and Deposits 1 3 Years
7,873,902
Total Shares and Deposits > 3 Years
4,647,872
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,308,177
Total Uninsured Shares and Deposits > $250K (F+J)
15,308,177
Total Insured Shares and Deposits > $250K (item 17 less item K)
158,481,608
Total Interest Expense (Sum of items 6 8)
1,487,134
Share Certificates
1,845
Number of Accounts for Share Drafts
6,824
IRA KEOGH Accounts
355
Number of Accounts for Regular Shares
13,831
Money Market Shares
298
Net Income (unless the amount is already included in Undivided Earnings)
999,378
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)
20,258,623
Total Liabilities
174,063,898
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Long Reach 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.
Add Your Rating and Review for Long Reach Federal Credit Union
Frequently Asked Questions About Long Reach Federal Credit UnionDoes Long Reach Federal Credit Union offer CDs?Yes. Long Reach Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Long Reach Federal Credit Union NCUA insured?Yes. Long Reach Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Long Reach Federal Credit Union?The highest CD rate MonitorBankRates has verified for Long Reach Federal Credit Union is 3.70% APY on its 60 Month IRA CD, as of October 23, 2026. What CD terms does Long Reach Federal Credit Union offer?The Long Reach Federal Credit Union CD terms we track include 12 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.60% to 3.70% APY. The institution may offer other terms or specials that are not listed here, so check with Long Reach Federal Credit Union for its full lineup. What is the highest savings rate at Long Reach Federal Credit Union?The highest savings rate MonitorBankRates has verified for Long Reach Federal Credit Union is 0.10% APY on its Regular Shares (Savings), as of October 23, 2026. What is the highest money market rate at Long Reach Federal Credit Union?The highest money market rate MonitorBankRates has verified for Long Reach Federal Credit Union is 0.15% APY on its Money Market Account, as of October 23, 2026. What is the lowest personal loan rate at Long Reach Federal Credit Union?The lowest personal loan rate MonitorBankRates has verified for Long Reach Federal Credit Union is 11.25% APR on its Unsecured Loans, as of October 23, 2026. What is the lowest credit card APR at Long Reach Federal Credit Union?The lowest credit card rate MonitorBankRates has verified for Long Reach Federal Credit Union is 10.90% APR on its Long Reach MasterCard Credit Card, as of October 23, 2026. How many branches does Long Reach Federal Credit Union operate?Long Reach 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 Long Reach Federal Credit Union?Yes, to access services at Long Reach 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, Long Reach 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, Long Reach Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Long Reach Federal Credit Union offer online and mobile banking?Most modern institutions like Long Reach 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.lrefcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Long Reach Federal Credit Union rates compare?Long Reach Federal Credit Union's top rates are 3.70% APY on its 60 Month IRA CD, 0.10% APY on savings, 0.15% APY on money market, personal loans from 11.25% APR and credit cards from 10.90% APR, verified by MonitorBankRates on October 23, 2026. To compare Long Reach Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best personal loan rates, updated daily from banks and credit unions across the country. Current Long Reach Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
MCT Credit Union
Staley Credit Union
West Virginia Central Federal Credit Union
Health Credit Union
Urban Beginnings Choice Federal Credit Union
SMW Financial Credit Union
NAFT Federal Credit Union
Texans Credit Union
Collins Community Credit Union
Allen Hospital Personnel Credit Union
Cherokee County Federal Credit Union
Central Nebraska Federal Credit Union
Haulpak Federal Credit Union
Royal Credit Union
Connects Federal Credit Union
Teaneck Federal Credit Union
Teachers Federal Credit Union
Bank Fund Staff Federal Credit Union
Coastal Community Federal Credit Union
The Morning Star Federal Credit Union
Baptist Health Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
