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Long Reach Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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: September 4, 2026

Long Reach Federal Credit Union's 60 Month CD rates are at 3.70%, 60 Month IRA CD rates are at 3.70%, 48 Month CD rates are at 3.65%, 48 Month IRA CD rates are at 3.65%, 36 Month 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 0.10%. Long Reach Federal Credit Union's Personal Loan Rates are at 5.00%. 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 6.28%. Rates last updated and verified on 09/04/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.28%
Excellent Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Long Reach Federal Credit Union
Middlebourne
315 Main St
Middlebourne, WV 26149-9602
https://www.lrefcu.org
Member NCUA

Long Reach Federal Credit Union CD Rates

Product Rate APY Term View More
60 Month Certificate 3.64% 3.70% 60 Month
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
60 Month IRA Certificate 3.64% 3.70% 60 Month
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
48 Month Certificate 3.60% 3.65% 48 Month
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
48 Month IRA Certificate 3.60% 3.65% 48 Month
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
36 Month Certificate 3.55% 3.60% 36 Month
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
36 Month IRA Certificate 3.55% 3.60% 36 Month
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
12 Month Certificate 3.50% 3.55% 12 Month
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
24 Month Certificate 3.50% 3.55% 24 Month
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
24 Month IRA Certificate 3.50% 3.55% 24 Month
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
6 Month Certificate 3.40% 3.45% 6 Month
No additional details.
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%

Long Reach Federal Credit Union Savings Rates

Product Rate APY View More
Christmas/Vacation Clubs 0.15% 0.15%
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Regular Shares (Savings) 0.10% 0.10%
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%

Long Reach Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Accounts 0.15% 0.15%
Min Balance $10,000
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
Money Market Accounts 0.10% 0.10%
Min Balance $1,000
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%

Long Reach Federal Credit Union Checking Rates

Product Rate APY View More
Share Draft (Checking) 0.01% 0.01%
Min Balance $500
Details Paid Monthly
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%

Long Reach Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Education Loans - - 5.00%
Details Maximum per Household $15,000.00
Proof of Enrollment or Proof of Student Loan Debt
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%

Long Reach Federal Credit Union Credit Card Rates

Product Rate APR View More
Long Reach MasterCard Credit Card - 10.90%
Details Maximum Amt. $10,000.00
Last Updated 09/04/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.28%
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.
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Financial Health History

Long Reach Federal Credit Union’s Texas Ratio rose from 1.86% in Q2 2023 to 6.28% in Q1 2026, so its financial health has weakened 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 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★ 3.8% 2.0★ 7.5% 3.0★ 11.3% 4.0★ 15% 5.0★ 15% Verified Healthy line 1.86% 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 6.28% 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$189M6.28%5.0A
December 31, 2025$181M7.84%5.0A
September 30, 2025$175M4.35%5.0A+
June 30, 2025$173M5.30%5.0A+
March 31, 2025$168M4.36%5.0A+
December 31, 2024$161M5.51%5.0A+
September 30, 2024$155M4.38%5.0A+
June 30, 2024$159M4.55%5.0A+
March 31, 2024$158M3.16%5.0A+
December 31, 2023$152M7.50%5.0A
September 30, 2023$146M1.84%5.0A+
June 30, 2023$145M1.86%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 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 35
Part-Time Employees 0
Branch Locations 5
ATM Locations 5
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
6.28%
Return on Assets (ROA)
0.2861%
Return on Equity (ROE)
2.8955%
Non-Performing Loans Ratio (NPL)
1.03%
Total Assets
189,212,735
Total Amount of Shares and Deposits
170,297,731
Total Shares and Deposits < 1 Year
158,314,670
Total Shares and Deposits 1 3 Years
8,159,805
Total Shares and Deposits > 3 Years
3,823,256
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,601,670
Total Uninsured Shares and Deposits > $250K (F+J)
14,601,670
Total Insured Shares and Deposits > $250K (item 17 less item K)
155,696,061
Total Interest Expense (Sum of items 6 8)
747,252
Share Certificates
1,817
Number of Accounts for Share Drafts
6,658
IRA KEOGH Accounts
347
Number of Accounts for Regular Shares
13,609
Money Market Shares
301
Net Income (unless the amount is already included in Undivided Earnings)
541,386
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)
22,500,330
Total Liabilities
170,515,188
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Long Reach Federal 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.

<a href="https://www.monitorbankrates.com/credit-unions/long-reach-federal-credit-union-rates-review-22241">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Long Reach Federal Credit Union

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.

Current Long Reach Federal Credit Union Rates

  • 12-Month CD3.55%
  • 24-Month CD3.55%
  • 60-Month CD3.70%
  • Savings0.10%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.

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