What are the current interest rates at Latvian Credit Union?

Current rates for Latvian Credit Union include: 12-Month CD: 1.77%, 18-Month CD: 1.87%, 24-Month CD: 2.07%, MMA: 3.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Latvian Credit Union

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Latvian Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Latvian Credit Union's top rates as of October 9, 2026 are 3.45% APY on its 5-Month CD Special, 3.00% APY on money market accounts, 0.10% APY on checking, 4.74% on its Mortgage, and personal loans from 10.25% APR, according to rates verified by MonitorBankRates. Other Latvian Credit Union CD rates include 3 Year CD Special and more at 2.22%, 3 Year CD Special at 2.17%, and 2 Year CD Special and more at 2.12%. 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 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.97%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Latvian Credit Union
LCU HQ

3152 17th Ave S
Minneapolis, MN 55407

https://www.latviancu.com

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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
5-Month CD Special	3.39%	3.45%	5 months
Min Deposit $500 Details Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
3 Year CD Special and more	2.20%	2.22%	3 Year
Min Deposit $500 Details $20,000; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.22% APY 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 Details Under $19,999; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.17% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
2 Year CD Special and more	2.10%	2.12%	2 Year
Min Deposit $500 Details $20,000; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.12% APY 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 Details Under $19,999; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
18 Month CD Special and more	1.90%	1.92%	18 Month
Min Deposit $500 Details $20,000; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.92% APY 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 Details Under $19,999; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.87% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
1 Year CD Special and more	1.80%	1.82%	1 Year
Min Deposit $500 Details $20,000; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.82% APY 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 Details Under $19,999; Limited-time offer. The minimum required balance to open a certificate is $500. Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must be a Latvian Credit Union member with a savings account and a minimum balance of $5 to open a CD. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.77% APY · checked 3 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 Details Balance Range: $100 or more Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%

Latvian Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	3.00%
Details APY = Annual Percentage Yield.* Interest is paid at tier rates on balances within each tier. Total interest paid is the sum of each tier. Dividends are paid quarterly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Money Market Account	-	1.00%
Details APY = Annual Percentage Yield.* Interest is paid at tier rates on balances within each tier. Total interest paid is the sum of each tier. Dividends are paid quarterly. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%

Latvian Credit Union Checking Rates

Product	Rate	APY
Checking Account	0.10%	0.10%
Min Deposit $100 Min Balance $15,000 Details Balance Range: $15,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Checking Account	0.05%	0.05%
Min Deposit $100 Min Balance $1,000 Details Balance Range: $1,000 to $14,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 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	4.74%	-	4.99%	30 years
Details Rates are subject to change without notice. All rates assume credit scores of 740 and above & loan amounts between $126,000 and $647,200. Please contact the Latvian CU for specific information. All loans must be approved prior to locking. NMLS# 525558 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%

Latvian Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 10-Year Fixed Mortgage	6.375%	-	6.375%	10 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.63% → 6.38% ▲ 0.75 pts · high 6.38% / low 5.63% Oct 9, 20266.38%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity 15-Year Fixed Mortgage	6.375%	-	6.375%	15 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.63% → 6.38% ▲ 0.75 pts · high 6.38% / low 5.63% Oct 9, 20266.38%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity 30-Year Fixed FHA Mortgage	6.625%	-	6.625%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.88% → 6.63% ▲ 0.75 pts · high 6.63% / low 5.88% Oct 9, 20266.63%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity 30-Year Fixed VA Mortgage	6.625%	-	6.625%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.88% → 6.63% ▲ 0.75 pts · high 6.63% / low 5.88% Oct 9, 20266.63%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity 20-Year Fixed Mortgage	6.75%	-	6.75%	20 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.75% ▲ 0.75 pts · high 6.75% / low 6.00% Oct 9, 20266.75%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity 30-Year Fixed USDA Mortgage	6.75%	-	6.75%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.00% → 6.75% ▲ 0.75 pts · high 6.75% / low 6.00% Oct 9, 20266.75%▲ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity Loans / Home Equity Line of Credit / Construction Loans	6.75%	-	6.75%
Details Credit Score: A+; Paper Grade: 730 & UP; LTV HE & HELOC: 80%; Maximum Amount: $150,000; LTV CONST: 95% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity 30-Year Fixed Mortgage	7.00%	-	7.00%	30 years
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.00% / low 6.38% Oct 9, 20267.00%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity Loans / Home Equity Line of Credit / Construction Loans	7.00%	-	7.00%
Details Credit Score: A; Paper Grade: 680 - 729; LTV HE & HELOC: 80%; Maximum Amount: $150,000; LTV CONST: 95% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity Loans / Home Equity Line of Credit / Construction Loans	7.25%	-	7.25%
Details Credit Score: B; Paper Grade: 640 - 679; LTV HE & HELOC: 80%; Maximum Amount: $150,000; LTV CONST: 95% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Home Equity Loans / Home Equity Line of Credit / Construction Loans	7.50%	-	7.50%
Details Credit Score: C; Paper Grade: 600 - 639; LTV HE & HELOC: 80%; Maximum Amount: $150,000; LTV CONST: N/A Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 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
New/Used Auto Loan	-	-	4.74%	Up to 72 months
Details Offer valid on new/used auto. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.74% to 14.24%, depending on credit score and length of financing. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	4.99%	-	4.99%	36 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
New/Used Auto Loan	-	-	4.99%	Up to 72 months
Details Offer valid on new/used auto. APR - Annual Percentage Rate. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.99% to 14.49%, depending on credit score and length of financing. Price adjustment*: 1% for 2015-2011 collateral, max term 60 months. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	5.49%	-	5.49%	48 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	5.49%	-	5.49%	36 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	5.74%	-	5.74%	60 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	5.74%	-	5.74%	48 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	5.99%	-	5.99%	60 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	6.24%	-	6.24%	72 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	6.49%	-	6.49%	72 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	6.74%	-	6.74%	36 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	6.99%	-	6.99%	48 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	7.49%	-	7.49%	60 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	8.24%	-	8.24%	72 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	13.24%	-	13.24%	36 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 13.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	13.49%	-	13.49%	48 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	13.99%	-	13.99%	60 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 13.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Auto Loans 2022 - 2016	14.49%	-	14.49%	72 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 14.49% APR · checked 2 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
Recreational Vehicles Loan	-	6.49%	36 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	6.99%	48 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	7.24%	36 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	7.49%	60 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	7.74%	48 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	7.99%	72 Months
Details Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	7.99%	60 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	8.49%	72 Months
Details Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	8.99%	36 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	9.24%	48 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	9.49%	60 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	9.74%	72 Months
Details Credit Score: B; Paper Grade: 640 - 679; LTV: 100%; Maximum Amount: $60,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	13.74%	36 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	13.99%	48 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	14.24%	60 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 14.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Recreational Vehicles Loan	-	14.49%	72 Months
Details Credit Score: C; Paper Grade: 600 - 639; LTV: 90%; Maximum Amount: $40,000; Model Year: 2022 - 2016 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 14.49% APR · checked 4 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
Signature Loan	10.25%
Details Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount: 120% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Signature Loan	11.25%
Details Credit Score: A; Paper Grade: 680 - 729; Maximum Amount: 100% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Signature Loan	12.25%
Details Credit Score: B; Paper Grade: 640 - 679; Maximum Amount: 90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Signature Loan	14.25%
Details Credit Score: C; Paper Grade: 600 - 639; Maximum Amount: 80% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%

Latvian Credit Union Other Rates

Product	Rate	Points	APY/APR
Lifestyle Loan	-	-	9.25%
Details Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount: 120% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Lifestyle Loan	-	-	10.25%
Details Credit Score: A; Paper Grade: 680 - 729; Maximum Amount: 100% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Lifestyle Loan	-	-	11.25%
Details Credit Score: B; Paper Grade: 640 - 679; Maximum Amount: 90% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%
Lifestyle Loan	-	-	13.25%
Details Credit Score: C; Paper Grade: 600 - 639; Maximum Amount: 80% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.25% APR · checked 5 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 Details Balance: $105 to $2,499 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 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 Details Balance: $2,500 to $24,499 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 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 Details Balance: $25,000 to $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 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 Details Balance: $50,000 to $199,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 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 Details Balance: $200,000 or more Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.97%

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.
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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.

Credit Union Profile & Overview

Credit Union Name Latvian Credit Union

Website https://www.latviancu.com

Address 3152 17th Ave S, Minneapolis, MN 55407

Phone 612-722-5004

Fax 612-722-0174

President Peter Grotans

CEO Santa Kalnite

Full-Time Employees 2

Part-Time Employees 0

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+ (97/100)

Texas Ratio

5.97%

Return on Assets (ROA)

0.1835%

Return on Equity (ROE)

1.6661%

Non-Performing Loans Ratio (NPL)

0.85%

Total Assets

5,824,234

Total Amount of Shares and Deposits

5,167,336

Total Shares and Deposits < 1 Year

4,997,866

Total Shares and Deposits 1 3 Years

169,471

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

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

Q2 2026 MBR Health & Safety Badge

Latvian Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Latvian Credit Union

Frequently Asked Questions About Latvian Credit Union

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.

Current Latvian Credit Union Rates

12-Month CD1.77%
18-Month CD1.87%
24-Month CD2.07%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Latvian Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Latvian Credit Union Texas Ratio

Latvian Credit Union Health Trend

Latvian Credit Union CD Rates

Latvian Credit Union Savings Rates

Latvian Credit Union Money Market Rates

Latvian Credit Union Checking Rates

Latvian Credit Union Mortgage Rates

Latvian Credit Union Home Equity & HELOC

Latvian Credit Union Auto Loan Rates

Latvian Credit Union RV, Boat and Powersport Loan Rates

Latvian Credit Union Personal Loan Rates

Latvian Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Latvian Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Latvian Credit Union

How many branches does Latvian Credit Union operate?

Is a member application needed to join Latvian Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Latvian Credit Union offer online and mobile banking?

Current Latvian Credit Union Rates

Compare to Other Credit Unions