What are the current interest rates at LONGSHOREMENS LOCAL 4?

Current rates for LONGSHOREMENS LOCAL 4 include: 12-Month CD: 1.50%, 24-Month CD: 2.00%, Savings: 0.05%, MMA: 0.95%

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LONGSHOREMENS LOCAL 4

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LONGSHOREMENS LOCAL 4 Rates & Review September 2026

Q: How many branches does LONGSHOREMENS LOCAL 4 operate?

LONGSHOREMENS LOCAL 4 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 LONGSHOREMENS LOCAL 4?

Yes, to access services at LONGSHOREMENS LOCAL 4, 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: Is there a first-time homebuyer program?

Currently, LONGSHOREMENS LOCAL 4 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, LONGSHOREMENS LOCAL 4 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: September 3, 2026

LONGSHOREMENS LOCAL 4's 24 month Share of CD account (compounded) rates are at 2.00%, 12 month CD account (compounded) rates are at 1.50%, 6 month CD account (simple) rates are at 1.25%. LONGSHOREMENS LOCAL 4's savings rates are at 0.05%. LONGSHOREMENS LOCAL 4's money market rates are at 0.95%. LONGSHOREMENS LOCAL 4's Personal Loan Rates are at 12.00%. MonitorBankRates evaluates the financial stability of LONGSHOREMENS LOCAL 4 with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.68%. Rates last updated and verified on 09/03/2026.

LONGSHOREMENS LOCAL 4 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 LONGSHOREMENS LOCAL 4? Share your experience about LONGSHOREMENS LOCAL 4 by leaving a review below, or read customer reviews before you decide to use LONGSHOREMENS LOCAL 4.

Verified Healthy 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

0.68%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

LONGSHOREMENS LOCAL 4
Longshoremen's Local 4 FCU

1209 Ingalls St
Vancouver, WA 98660-2722

http://www.lshore4cu.com

LONGSHOREMENS LOCAL 4 CD Rates

Product	Rate	APY	Term
24 month Share of certificate account (compounded)	2.00%	2.00%	24 months
Min Deposit $1,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
12 month Share certificate account (compounded)	1.50%	1.50%	12 months
Min Deposit $1,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
6 month Share certificate account (simple)	1.25%	1.25%	6 months
Min Deposit $1,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

LONGSHOREMENS LOCAL 4 Savings Rates

Product	Rate	APY	View More
IRA Savings	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

LONGSHOREMENS LOCAL 4 Money Market Rates

Product	Rate	APY	View More
Money Market	0.95%	0.95%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

LONGSHOREMENS LOCAL 4 Auto Loan Rates

Product	Rate	Points	APR	Term
New vehicle Loan	1.99%	-	1.99%	Up to 84 months
Details As low as 1.99% Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Used vehicle (1-2 years old) Loan	1.99%	-	1.99%	Up to 84 months
Details APR range: 1.99% to 8.75%; RATE range: 1.99% to 8.75% Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

LONGSHOREMENS LOCAL 4 Personal Loan Rates

Product	APR	Term
Signature Loan	12.00%	36 months
Details 12% up to $5,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Signature Plus Loan	14.99%	48 months
Details 14.99% up to $10,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Signature Platinum Loan	15.99%	60 months
Details 15.99% up to $15,000 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

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

LONGSHOREMENS LOCAL 4’s Texas Ratio stayed near 0.53% in Q2 2023 to 0.68% in Q1 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; 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.

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

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
March 31, 2026	$40M	0.68%	5.0	A+
December 31, 2025	$37M	0.69%	5.0	A+
September 30, 2025	$38M	0.85%	5.0	A+
June 30, 2025	$38M	0.56%	5.0	A+
March 31, 2025	$40M	0.56%	5.0	A+
December 31, 2024	$39M	0.57%	5.0	A+
September 30, 2024	$40M	0.97%	5.0	A+
June 30, 2024	$40M	1.01%	5.0	A+
March 31, 2024	$40M	0.96%	5.0	A+
December 31, 2023	$40M	0.00%	5.0	A+
September 30, 2023	$40M	0.51%	5.0	A+
June 30, 2023	$41M	0.53%	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 LONGSHOREMENS LOCAL 4 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 LONGSHOREMENS LOCAL 4 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 LONGSHOREMENS LOCAL 4's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LONGSHOREMENS LOCAL 4

Website http://www.lshore4cu.com

Address 1209 Ingalls St, Vancouver, WA 98660-2722

Phone 360-694-7751

Fax 360-694-6469

President Bradley Dark

CEO DeLin Drake

Full-Time Employees 3

Part-Time Employees 3

Branch Locations 1

ATM Locations 0

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

0.68%

Return on Assets (ROA)

0.3800%

Return on Equity (ROE)

1.6497%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

39,960,517

Total Amount of Shares and Deposits

30,564,854

Total Shares and Deposits < 1 Year

30,553,056

Total Shares and Deposits 1 3 Years

11,798

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

4,217,488

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

4,217,488

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

26,347,366

Total Interest Expense (Sum of items 6 8)

30,024

Share Certificates

Number of Accounts for Share Drafts

662

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,282

Money Market Shares

125

Net Income (unless the amount is already included in Undivided Earnings)

151,848

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)

6,396,064

Total Liabilities

30,740,767

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

LONGSHOREMENS LOCAL 4 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 LONGSHOREMENS LOCAL 4

How many branches does LONGSHOREMENS LOCAL 4 operate?

LONGSHOREMENS LOCAL 4 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 LONGSHOREMENS LOCAL 4?

Yes, to access services at LONGSHOREMENS LOCAL 4, 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, LONGSHOREMENS LOCAL 4 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, LONGSHOREMENS LOCAL 4 provides members with tools to manage their accounts and build a solid financial history.

Does LONGSHOREMENS LOCAL 4 offer online and mobile banking?

Most modern institutions like LONGSHOREMENS LOCAL 4 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: http://www.lshore4cu.com.