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Latvian Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 29, 2026
Latvian Credit Union's 3 Year CD Special rates are at 2.22%, 2 Year CD Special rates are at 2.12%, 18 Month CD Special rates are at 1.92%, 1 Year CD Special rates are at 1.82%. Latvian Credit Union's checking rates are as high as 0.10%. Latvian Credit Union's Mortgage - 10-Year Fixed rates are at 6.38%, Mortgage - 15-Year Fixed rates are at 6.38%, Mortgage - 30-Year Fixed FHA rates are at 6.62%, Mortgage - 30-Year Fixed VA rates are at 6.62%, Mortgage - 20-Year Fixed rates are at 6.75%. Latvian Credit Union's Personal Loan Rates are as low as 9.25%. Latvian Credit Union's CD rates are 31% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Latvian Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.97%. Rates last updated and verified on 10/29/2026.
Latvian 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 Latvian Credit Union? Share your experience about Latvian Credit Union by leaving a review below, or read customer reviews before you decide to use Latvian Credit Union.
Latvian Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Latvian Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
5.97%
ExcellentLower than avg
Latvian Credit Union Texas Ratio
Latvian Credit Union's Texas Ratio is 5.97%, which is considered excellent and is lower than the national average of 6.13%.
Latvian Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.54% to 5.97% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Latvian Credit Union CD Rates
Product
Rate
APY
Term
View More
3 Year CD Special
2.20%
2.22%
3 Year
Min Deposit$500
Min Balance$20,000
DetailsBalance: $20,000.00 and more; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.22% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
3 Year CD Special
2.15%
2.17%
3 Year
Min Deposit$500
Min Balance$500
DetailsBalance: Under $19,999; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.17% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
2 Year CD Special
2.10%
2.12%
2 Year
Min Deposit$500
Min Balance$20,000
DetailsBalance: $20,000.00 and more; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 2.12% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
2 Year CD Special
2.05%
2.07%
2 Year
Min Deposit$500
Min Balance$500
DetailsBalance: Under $19,999; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 2.07% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
18 Month CD Special
1.90%
1.92%
18 Month
Min Deposit$500
Min Balance$20,000
DetailsBalance: $20,000.00 and more; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 1.92% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
18 Month CD Special
1.85%
1.87%
18 Month
Min Deposit$500
Min Balance$500
DetailsBalance: Under $19,999; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.87% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
1 Year CD Special
1.80%
1.82%
1 Year
Min Deposit$500
Min Balance$20,000
DetailsBalance: $20,000.00 and more; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 1.82% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
1 Year CD Special
1.75%
1.77%
1 Year
Min Deposit$500
Min Balance$500
DetailsBalance: Under $19,999; Limited-time offer; Dividends paid quarterly; Matures to savings account; Early withdrawal penalty applies
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 1.77% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union Savings Rates
Product
Rate
APY
View More
Kids Club Account (UTMA)
1.50%
1.50%
Min Deposit$100
Min Balance$100
DetailsBalance: $100 or more; Dividends paid quarterly
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular Shares
0.25%
0.25%
Min Deposit$5
Min Balance$200,000
DetailsBalance: $200,000 or more; Dividends are paid quarterly; Interest is paid at tier rates on balances within each tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular Shares
0.20%
0.20%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000 to $199,999; Dividends are paid quarterly; Interest is paid at tier rates on balances within each tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular Shares
0.15%
0.15%
Min Deposit$5
Min Balance$25,000
DetailsBalance: $25,000 to $49,999; Dividends are paid quarterly; Interest is paid at tier rates on balances within each tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular Shares
0.10%
0.10%
Min Deposit$5
Min Balance$2,500
DetailsBalance: $2,500 to $24,499; Dividends are paid quarterly; Interest is paid at tier rates on balances within each tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Regular Shares
0.05%
0.05%
Min Deposit$5
Min Balance$105
DetailsBalance: $105 to $2,499; Dividends are paid quarterly; Interest is paid at tier rates on balances within each tier
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union Checking Rates
Product
Rate
APY
View More
Share Checking Account
0.10%
0.10%
Min Deposit$100
Min Balance$15,000
DetailsQualifications Required; Balance: $15,000 or more
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Share Checking Account
0.05%
0.05%
Min Deposit$100
Min Balance$1,000
DetailsQualifications Required; Balance: $1,000 to $14,999
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage - 10-Year Fixed
6.375%
-
6.375%
10 years
DetailsMortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage - 15-Year Fixed
6.375%
-
6.375%
15 years
DetailsMortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage - 30-Year Fixed FHA
6.625%
-
6.625%
30 years
DetailsMortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage - 30-Year Fixed VA
6.625%
-
6.625%
30 years
DetailsMortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage - 20-Year Fixed
6.75%
-
6.75%
20 years
DetailsMortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage - 30-Year Fixed USDA
6.75%
-
6.75%
30 years
DetailsMortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Mortgage - 30-Year Fixed
7.00%
-
7.00%
30 years
DetailsMortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loans / Home Equity Line of Credit - A+
6.75%
-
6.75%
DetailsCredit Score: 730 & UP; Paper Grade: A+; LTV: 80%; Maximum Amount: $150,000; HE: 15-year amortization; HELOC: 5-year draw period & 15-year repayment; Floor: 5%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Home Equity Loans / Home Equity Line of Credit
7.00%
-
7.00%
DetailsCredit Score: 680 - 729; Paper Grade: A; LTV: 80%; Maximum Amount: $150,000; HE: 15-year amortization; HELOC: 5-year draw period & 15-year repayment; Floor: 5%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Home Equity Loans / Home Equity Line of Credit - B
7.25%
-
7.25%
DetailsCredit Score: 640 - 679; Paper Grade: B; LTV: 80%; Maximum Amount: $150,000; HE: 15-year amortization; HELOC: 5-year draw period & 15-year repayment; Floor: 5%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Home Equity Loans / Home Equity Line of Credit - C
7.50%
-
7.50%
DetailsCredit Score: 600 - 639; Paper Grade: C; LTV: 80%; Maximum Amount: $150,000; HE: 15-year amortization; HELOC: 5-year draw period & 15-year repayment; Floor: 5%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
4.99%
36 Months
DetailsCredit Grade: A+; Credit Score: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
5.49%
48 Months
DetailsCredit Grade: A+; Credit Score: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
5.49%
36 Months
DetailsCredit Grade: A; Credit Score: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
5.74%
60 Months
DetailsCredit Grade: A+; Credit Score: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
5.74%
48 Months
DetailsCredit Grade: A; Credit Score: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
5.99%
60 Months
DetailsCredit Grade: A; Credit Score: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 5.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
6.24%
72 Months
DetailsCredit Grade: A+; Credit Score: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
6.49%
72 Months
DetailsCredit Grade: A; Credit Score: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
6.74%
36 Months
DetailsCredit Grade: B; Credit Score: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
6.99%
48 Months
DetailsCredit Grade: B; Credit Score: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
7.49%
60 Months
DetailsCredit Grade: B; Credit Score: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
8.24%
72 Months
DetailsCredit Grade: B; Credit Score: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 8.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
13.24%
36 Months
DetailsCredit Grade: C; Credit Score: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 13.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
13.49%
48 Months
DetailsCredit Grade: C; Credit Score: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 13.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
13.99%
60 Months
DetailsCredit Grade: C; Credit Score: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 13.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older
-
-
14.49%
72 Months
DetailsCredit Grade: C; Credit Score: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Price adjustment: 1% for 2015-2011 collateral (max term 60 months); 3% for 2010-or-older collateral (max term 36 months)
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 14.49% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicles Loan
-
6.49%
36 Months
DetailsCredit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
6.99%
48 Months
DetailsCredit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
7.24%
36 Months
DetailsCredit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.24% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
7.49%
60 Months
DetailsCredit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
7.74%
48 Months
DetailsCredit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
7.99%
72 Months
DetailsCredit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
7.99%
60 Months
DetailsCredit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 7.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
8.49%
72 Months
DetailsCredit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
8.99%
36 Months
DetailsCredit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
9.24%
48 Months
DetailsCredit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.24% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
9.49%
60 Months
DetailsCredit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
9.74%
72 Months
DetailsCredit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 9.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
13.74%
36 Months
DetailsCredit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 13.74% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
13.99%
48 Months
DetailsCredit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 13.99% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
14.24%
60 Months
DetailsCredit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 14.24% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Recreational Vehicles Loan
-
14.49%
72 Months
DetailsCredit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Rates apply to 2016-2026 model years; Price adjustment: +1% for 2011-2015 collateral, max term 60 months; +3% for 2010-or-older collateral, max term 36 months
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 14.49% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union Personal Loan Rates
Product
APR
Term
View More
Unsecured Loan - Lifestyle Loan
9.25%
DetailsCredit Grade: A+; Credit Score: 730 & UP; Maximum Amount: 120% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months; Lifestyle loan for medical, dental, adoption, wedding, or other special occasions
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 9.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Unsecured Loan - Lifestyle Loan
10.25%
DetailsCredit Grade: A; Credit Score: 680 - 729; Maximum Amount: 100% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months; Lifestyle loan for medical, dental, adoption, wedding, or other special occasions
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 10.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Unsecured Loan - Signature Loan
10.25%
DetailsCredit Grade: A+; Credit Score: 730 & UP; Maximum Amount: 120% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 10.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Unsecured Loan - Lifestyle Loan
11.25%
DetailsCredit Grade: B; Credit Score: 640 - 679; Maximum Amount: 90% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months; Lifestyle loan for medical, dental, adoption, wedding, or other special occasions
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 11.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Unsecured Loan - Signature Loan
11.25%
DetailsCredit Grade: A; Credit Score: 680 - 729; Maximum Amount: 100% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 11.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Unsecured Loan - Signature Loan
12.25%
DetailsCredit Grade: B; Credit Score: 640 - 679; Maximum Amount: 90% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 12.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Unsecured Loan - Lifestyle Loan
13.25%
DetailsCredit Grade: C; Credit Score: 600 - 639; Maximum Amount: 80% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months; Lifestyle loan for medical, dental, adoption, wedding, or other special occasions
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 13.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Unsecured Loan - Signature Loan
14.25%
DetailsCredit Grade: C; Credit Score: 600 - 639; Maximum Amount: 80% of monthly income; Maximum loan amount $10,000; Maximum loan term 60 months
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 14.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Latvian Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Construction Loans
7.00%
-
7.00%
DetailsCredit Score: 680 - 729; Paper Grade: A; LTV: 95%; Construction Loan maximum loan amount: 10% of the Credit Union's deposits
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Construction Loans - A+
6.75%
-
6.75%
DetailsCredit Score: 730 & UP; Paper Grade: A+; LTV: 95%; Construction Loan maximum loan amount: 10% of the Credit Union's deposits
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 6.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Construction Loans - B
7.25%
-
7.25%
DetailsCredit Score: 640 - 679; Paper Grade: B; LTV: 95%; Construction Loan maximum loan amount: 10% of the Credit Union's deposits
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 7.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.97%
Financial Health History
Latvian Credit Union’s Texas Ratio fell from 6.54% in Q3 2023 to 5.97% 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)
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
$6M
5.97%
5.0
A+
March 31, 2026
$6M
5.91%
5.0
A+
December 31, 2025
$6M
0.47%
5.0
A+
September 30, 2025
$6M
1.30%
5.0
A+
June 30, 2025
$6M
1.95%
5.0
A+
March 31, 2025
$6M
5.27%
5.0
A+
December 31, 2024
$6M
0.69%
5.0
A+
September 30, 2024
$6M
0.79%
5.0
A+
June 30, 2024
$6M
5.42%
5.0
A+
March 31, 2024
$6M
6.32%
5.0
A
December 31, 2023
$5M
2.89%
5.0
A+
September 30, 2023
$5M
6.54%
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 Latvian 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 Latvian 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 Latvian Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
328,483
Total Uninsured Shares and Deposits > $250K (F+J)
328,483
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,838,853
Total Interest Expense (Sum of items 6 8)
40,290
Share Certificates
65
Number of Accounts for Share Drafts
277
Number of Accounts for Regular Shares
783
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)
447,402
Total Liabilities
5,182,752
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Latvian 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Latvian Credit Union
Frequently Asked Questions About Latvian Credit Union
Does Latvian Credit Union offer CDs?
Yes. Latvian Credit Union current CD rates include its 3 Year CD Special at 2.22% APY, its 2 Year CD Special at 2.12% APY and its 18 Month CD Special at 1.92% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Latvian Credit Union NCUA insured?
Yes. Latvian 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 Latvian Credit Union?
The highest Latvian Credit Union CD rate is its 3 Year CD Special at 2.22% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Latvian Credit Union offer?
Latvian Credit Union CD rates are 1.77% APY for a 12 month CD, 1.87% APY for an 18 month CD, 2.07% APY for a 2 year CD and 2.22% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Latvian Credit Union for its full lineup.
What is the highest checking rate at Latvian Credit Union?
The highest Latvian Credit Union checking rate is its Share Checking Account at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at Latvian Credit Union?
The lowest Latvian Credit Union 30 year fixed mortgage rate is its Mortgage - 30-Year Fixed FHA at 6.625%, verified by MonitorBankRates as of October 29, 2026. Latvian Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.375% for a 10 year mortgage.
What is the lowest auto loan rate at Latvian Credit Union?
The lowest Latvian Credit Union auto loan rate is its Auto Loan 2022 - 2016, 2016 - 2011, 2010 - Older at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Latvian Credit Union?
The lowest Latvian Credit Union personal loan rate is its Unsecured Loan - Lifestyle Loan at 9.25% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Latvian Credit Union operate?
Latvian 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 Latvian Credit Union?
Yes, to access services at Latvian 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, Latvian 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, Latvian Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Latvian Credit Union offer online and mobile banking?
Most modern institutions like Latvian 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.latviancu.com.
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 Latvian Credit Union rates compare?
Latvian Credit Union's CD rates are 31% lower than the MonitorBankRates national average, and it has an A+ health rating. Latvian Credit Union's top rates are its 3 Year CD Special at 2.22% APY, its Share Checking Account at 0.10% APY, its Mortgage - 10-Year Fixed at 6.375% and its Unsecured Loan - Lifestyle Loan at 9.25% APR, verified by MonitorBankRates on October 29, 2026.
Current Latvian Credit Union Rates
12-Month CD1.77%
18-Month CD1.87%
24-Month CD2.07%
Retrieved from our database of financial products. Rates subject to change.