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L R F D

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L R F D Rates & Review March 2026

Q: Is L R F D a safe place to deposit money?

Yes, L R F D is considered a safe financial institution. With a Texas Ratio of 17.509859733699%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does L R F D operate?

L R F D 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 L R F D?

Yes, to access services at L R F D, 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, L R F D 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, L R F D 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: March 29, 2026

You can compare L R F D rates to other rates in our database, including 12-month share certificate rates currently at 4.00%, 6-month share certificate rates at 3.25% and 3-month share certificate rates at 2.02%. Savings rates are at 0.01% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.12%. All these rates can be compared to L R F D rates. MonitorBankRates evaluates the financial stability of L R F D with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.51%. Rates were last updated on 03/29/2026.

L R F D 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 L R F D? Share your experience about L R F D by leaving a review below, or read customer reviews before you decide to use L R F D.

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

17.51%

Good Higher than avg

FNB of Waverly
UNION OFFICE

210 S Gaines St
Little Rock, AR 72201 2218

http://lrfdfcuvirtualcu.net

Current Rate Availability

We do not have L R F D rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for L R F D 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 L R F D 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 L R F D's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name L R F D

Website http://lrfdfcuvirtualcu.net

Address 210 S Gaines St, Little Rock, AR 72201 2218

Phone 501-568-1001

Fax 501-568-0885

President CRAIG MARTIN

CEO STEPHEN GREEN

Full-Time Employees 1

Part-Time Employees 3

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.8 / 5.0 ★

Overall Health & Safety Grade

B+ (89/100)

Texas Ratio

17.51%

Return on Assets (ROA)

0.8640%

Return on Equity (ROE)

4.6394%

Non-Performing Loans Ratio (NPL)

5.23%

Total Assets

17,144,655

Total Amount of Shares and Deposits

13,809,719

Total Shares and Deposits < 1 Year

13,809,718

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

13,809,719

Total Interest Expense (Sum of items 6 8)

389,039

Number of Accounts for Share Drafts

298

Number of Accounts for Regular Shares

892

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

91,836

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,654,471

Total Liabilities

13,955,333

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About L R F D

Is L R F D a safe place to deposit money?

Yes, L R F D is considered a safe financial institution. With a Texas Ratio of 17.509859733699%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does L R F D operate?

L R F D 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 L R F D?

Yes, to access services at L R F D, 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, L R F D 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, L R F D provides members with tools to manage their accounts and build a solid financial history.

Does L R F D offer online and mobile banking?

Most modern institutions like L R F D 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://lrfdfcuvirtualcu.net.