What are the current interest rates at LBS Financial Credit Union?

Current rates for LBS Financial Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.85%, 24-Month CD: 3.85%, 60-Month CD: 3.90%, Savings: 6.00%, MMA: 1.30%

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LBS Financial Credit Union

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LBS Financial Credit Union Rates & Review November 2026

Q: What CD terms does LBS Financial Credit Union offer?

LBS Financial Credit Union CD rates are 4.00% APY for a 5 month CD, 4.15% APY for a 10 month CD, 3.80% APY for a 12 month CD, 3.95% APY for an 18 month CD, 3.85% APY for a 2 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with LBS Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

LBS Financial Credit Union's 10 Month Promotional CD rates are at 4.15%, 48 Month CDs - Gold rates are at 4.00%, 5 Month Promotional CD rates are at 4.00%, 60 Month CDs - Gold rates are at 4.00%, 18 Month CDs - Gold rates are at 3.95%. LBS Financial Credit Union's savings rates are at 6.00%. LBS Financial Credit Union's money market rates are at 1.30%. LBS Financial Credit Union's checking rates are as high as 0.10%. LBS Financial Credit Union's Auto Loan Rates are as low as 4.74%. LBS Financial Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of LBS Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.34%. Rates last updated and verified on 10/30/2026.

LBS Financial 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 LBS Financial Credit Union? Share your experience about LBS Financial Credit Union by leaving a review below, or read customer reviews before you decide to use LBS Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.34%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

LBS Financial Credit Union
Westminster

5505 Garden Grove Blvd
Westminster, CA 92683

https://www.lbsfcu.org

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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.

LBS Financial Credit Union CD Rates

Product	Rate	APY	Term
10 Month Promotional Certificate	-	4.15%	10 Month
Min Deposit $1,000 Details Limited time promotional offer; $1,000 minimum to open; no maximum deposit; at maturity rolls into a 12 Month Certificate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Oct 30, 20264.15%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Share Certificates - Jumbo	3.97%	4.05%	48 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Share Certificates - Jumbo	3.97%	4.05%	60 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 48 month	3.97%	4.05%	48 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 30, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 60 month	3.97%	4.05%	60 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 30, 20264.05%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month Share Certificates - Jumbo	3.92%	4.00%	18 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Share Certificates - Jumbo	3.92%	4.00%	24 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
30 Month Share Certificates - Jumbo	3.92%	4.00%	30 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Share Certificates - Jumbo	3.92%	4.00%	36 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
42 Month Share Certificates - Jumbo	3.92%	4.00%	42 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month IRA Certificates	3.92%	4.00%	48 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Share Certificates - Gold	3.92%	4.00%	48 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
5 Month Promotional Certificate	-	4.00%	5 Month
Min Deposit $1,000 Details Limited time promotional offer; $1,000 minimum to open; no maximum deposit; at maturity rolls into a 6 Month Certificate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 30, 20264.00%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month IRA Certificates	3.92%	4.00%	60 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Share Certificates - Gold	3.92%	4.00%	60 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 18 month	3.92%	4.00%	18 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 30, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 24 month	3.92%	4.00%	24 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 30, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 30 month	3.92%	4.00%	30 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 30, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 36 month	3.92%	4.00%	36 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 30, 20264.00%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Share Certificates - Jumbo	3.87%	3.95%	12 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month IRA Certificates	3.87%	3.95%	18 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month Share Certificates - Gold	3.87%	3.95%	18 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month IRA Certificates	3.87%	3.95%	24 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Share Certificates - Gold	3.87%	3.95%	24 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
30 Month IRA Certificates	3.87%	3.95%	30 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
30 Month Share Certificates - Gold	3.87%	3.95%	30 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month IRA Certificates	3.87%	3.95%	36 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Share Certificates - Gold	3.87%	3.95%	36 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
42 Month Share Certificates - Gold	3.87%	3.95%	42 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month IRA Certificate - Silver	3.87%	3.95%	48 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Share Certificates - Silver	3.87%	3.95%	48 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month IRA Certificate - Silver	3.87%	3.95%	60 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Share Certificates - Silver	3.87%	3.95%	60 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 12 month	3.87%	3.95%	12 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 30, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month IRA Certificates	3.83%	3.90%	12 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Share Certificates - Gold	3.83%	3.90%	12 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month IRA Certificate - Silver	3.83%	3.90%	18 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month Share Certificates - Silver	3.83%	3.90%	18 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month IRA Certificate - Silver	3.83%	3.90%	24 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Share Certificates - Silver	3.83%	3.90%	24 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
30 Month IRA Certificate - Silver	3.83%	3.90%	30 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
30 Month Share Certificates - Silver	3.83%	3.90%	30 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month IRA Certificate - Silver	3.83%	3.90%	36 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Share Certificates - Silver	3.83%	3.90%	36 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
42 Month Share Certificates - Silver	3.83%	3.90%	42 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month IRA Certificate - Bronze	3.83%	3.90%	48 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
48 Month Share Certificates - Bronze	3.83%	3.90%	48 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month IRA Certificate - Bronze	3.83%	3.90%	60 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
60 Month Share Certificates - Bronze	3.83%	3.90%	60 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month IRA Certificate - Silver	3.78%	3.85%	12 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Share Certificates - Silver	3.78%	3.85%	12 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month IRA Certificate - Bronze	3.78%	3.85%	18 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
18 Month Share Certificates - Bronze	3.78%	3.85%	18 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month IRA Certificate - Bronze	3.78%	3.85%	24 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
24 Month Share Certificates - Bronze	3.78%	3.85%	24 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
30 Month IRA Certificate - Bronze	3.78%	3.85%	30 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
30 Month Share Certificates - Bronze	3.78%	3.85%	30 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month IRA Certificate - Bronze	3.78%	3.85%	36 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
36 Month Share Certificates - Bronze	3.78%	3.85%	36 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
42 Month Share Certificates - Bronze	3.78%	3.85%	42 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Share Certificates - Jumbo	3.78%	3.85%	6 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Share Certificates - Jumbo	3.78%	3.85%	9 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Certificates - Jumbo - 6 month	3.78%	3.85%	6 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate; Anticipated APY; Rates effective as of 10-29-2026 (PST) Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 30, 20263.85%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month IRA Certificate - Bronze	3.73%	3.80%	12 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
12 Month Share Certificates - Bronze	3.73%	3.80%	12 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month IRA Certificates	3.73%	3.80%	6 month
Min Balance $50,000 Details Gold tier; Anticipated rates; Balance: $50,000 minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Share Certificates - Gold	3.73%	3.80%	6 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Share Certificates - Gold	3.73%	3.80%	9 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month IRA Certificate - Silver	3.68%	3.75%	6 month
Min Balance $20,000 Details Anticipated rates; Silver tier ($20,000 minimum) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Share Certificates - Silver	3.68%	3.75%	6 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Share Certificates - Silver	3.68%	3.75%	9 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Share Certificates - Jumbo	3.63%	3.70%	3 month
Min Balance $90,000 Details Balance: Over $90,000; Anticipated Dividend Rate and Anticipated APY Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month IRA Certificate - Bronze	3.63%	3.70%	6 month
Min Balance $100 Details Bronze tier; anticipated rates; effective 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
6 Month Share Certificates - Bronze	3.63%	3.70%	6 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
9 Month Share Certificates - Bronze	3.63%	3.70%	9 month
Min Balance $2,500 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Share Certificates - Gold	3.59%	3.65%	3 month
Min Balance $50,000 Details Anticipated rates; Effective as of: 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Share Certificates - Silver	3.54%	3.60%	3 month
Min Balance $20,000 Details Anticipated Dividend Rate; $20,000 minimum; Rates effective as of 10-19-2026 (PST) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
3 Month Share Certificates - Bronze	3.49%	3.55%	3 month
Min Deposit $1,000 Min Balance $2,500 Details Only a minimum deposit of $1,000 is required for the 3 month Bronze Share Certificate; unlimited add on deposits allowed on the 3 month Certificate only Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

LBS Financial Credit Union Savings Rates

Product	Rate	APY
Summer Savings Accounts	5.83%	6.00%
Details Anticipated rates; Must be school/college employee and set up payroll deduction Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
IRA Sub/Savings Accounts	0.10%	0.10%
Details Anticipated rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Share Savings	0.10%	0.10%
Details Anticipated rates; All Members must have a Share Savings account and maintain a minimum of $5 to maintain Membership Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Special Savings Account	0.10%	0.10%
Details Anticipated rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Teen Savings	0.10%	0.10%
Details Anticipated rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Youth Savings	0.10%	0.10%
Details Anticipated rates Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

LBS Financial Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	-	1.30%
Min Balance $100,000 Details Featured rate on homepage; Balance: $100,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

LBS Financial Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking Accounts	0.10%	0.10%
Min Balance $1,000 Details Anticipated rates; $1,000 average daily balance to earn APY Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

LBS Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.74%
Details Featured rate on homepage; New auto years 2026 or newer; 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
New Autos, Trucks and Vans - 36-66 months	-	-	4.74%	36-66 months
Details Rate Range APR: 4.74%-18.00%; Model years 2026 or newer; 0.25% discount for automatic transfer from LBS Financial Checking or Savings; Rates effective 10-19-2026; Up to 120% LTV Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
New Autos, Trucks and Vans - 72/75 months	-	-	5.04%	72/75 months
Details Rate Range APR: 5.04%-18.00%; Model years 2026 or newer; 0.25% discount for automatic transfer from LBS Financial Checking or Savings; Rates effective 10-19-2026; Up to 120% LTV Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Used Auto Loan	-	-	5.19%
Details Featured rate on homepage; Used auto model years 2019 to 2025; 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Used Autos, Trucks and Vans - 36 months	-	-	5.19%	36 months
Details Rate Range APR: 5.19%-18.00%; Model years 2019 to 2025; 0.25% discount for automatic transfer from LBS Financial Checking or Savings; Rates effective 10-19-2026; Up to 120% LTV Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Used Autos, Trucks and Vans - 72/75 months	-	-	5.49%	72/75 months
Details Rate Range APR: 5.49%-18.00%; Model years 2019 to 2025; 0.25% discount for automatic transfer from LBS Financial Checking or Savings; Rates effective 10-19-2026; Up to 120% LTV Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
New Autos, Trucks and Vans - 84 months	-	-	5.74%	84 months
Details Rate Range APR: 5.74%-18.00%; Model years 2026 or newer; $20,000 minimum financed; 2019 and newer vehicles; FICO 625+; 0.25% discount for automatic transfer from LBS Financial Checking or Savings; Rates effective 10-19-2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Used Autos, Trucks and Vans - 84 months	-	-	5.99%	84 months
Details Rate Range APR: 5.99%-18.00%; Model years 2019 to 2025; $20,000 minimum financed; 2019 and newer vehicles; FICO 625+; 0.25% discount for automatic transfer from LBS Financial Checking or Savings; Rates effective 10-19-2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Used Autos, Trucks and Vans (Model years 2018 and older)	-	-	7.69%	36 months
Details Published APR range: 7.69%-18.00%. Model years 2018 and older; Minimum amount financed $5,000; Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account; Max vehicle age 15 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.69% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Used Autos, Trucks and Vans (Model years 2018 and older)	-	-	7.99%	48 months
Details Published APR range: 7.99%-18.00%. Model years 2018 and older; Minimum amount financed $5,000; Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account; Max vehicle age 15 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Used Autos, Trucks and Vans (Model years 2018 and older)	-	-	8.49%	66 months
Details Published APR range: 8.49%-18.00%. Model years 2018 and older; Minimum amount financed $5,000; Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account; Max vehicle age 15 years Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

LBS Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Promotional Certificates - 10 Month	4.07%	-	4.15%	10 Month
Min Deposit $1,000 Details Anticipated rates effective as of 10-19-2026 (PST); $1,000 minimum opening amount with no maximum deposit; if not withdrawn at maturity, rolls into a 12 Month Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%
Promotional Certificates - 5 Month	3.92%	-	4.00%	5 Month
Min Deposit $1,000 Details Anticipated rates effective as of 10-19-2026 (PST); $1,000 minimum opening amount with no maximum deposit; if not withdrawn at maturity, rolls into a 6 Month Certificate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.34%

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

LBS Financial Credit Union’s Texas Ratio rose from 1.68% in Q3 2023 to 2.34% in Q2 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$2.2B	2.34%	5.0	A+
March 31, 2026	$2.2B	1.37%	5.0	A+
December 31, 2025	$2.2B	2.33%	5.0	A+
September 30, 2025	$2.1B	1.97%	5.0	A+
June 30, 2025	$2.1B	1.78%	5.0	A+
March 31, 2025	$2.1B	1.48%	5.0	A+
December 31, 2024	$2.0B	1.92%	5.0	A+
September 30, 2024	$2.0B	1.79%	5.0	A+
June 30, 2024	$2.1B	1.79%	5.0	A+
March 31, 2024	$2.1B	1.79%	5.0	A+
December 31, 2023	$2.0B	2.70%	5.0	A+
September 30, 2023	$2.0B	1.68%	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 LBS Financial 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 LBS Financial 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 LBS Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LBS Financial Credit Union

Website https://www.lbsfcu.org

Address 5505 Garden Grove Blvd, Westminster, CA 92683

Phone 714-893-5111

Fax 714-934-3486

President Luther Williams

CEO Sean Hardeman

Full-Time Employees 233

Part-Time Employees 31

Branch Locations 7

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.34%

Return on Assets (ROA)

0.3721%

Return on Equity (ROE)

2.8371%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

2,208,240,582

Total Amount of Shares and Deposits

1,907,022,521

Total Shares and Deposits < 1 Year

1,681,750,200

Total Shares and Deposits 1 3 Years

173,670,197

Total Shares and Deposits > 3 Years

51,602,122

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

271,164,363

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

271,164,363

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

1,635,858,158

Total Interest Expense (Sum of items 6 8)

18,438,275

Share Certificates

14,895

Number of Accounts for Share Drafts

51,495

IRA KEOGH Accounts

6,675

Number of Accounts for Regular Shares

143,038

All other shares

3,001

Money Market Shares

8,366

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

8,216,112

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)

253,497,291

Total Liabilities

1,908,481,573

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

LBS Financial 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.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

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Frequently Asked Questions About LBS Financial Credit Union

Does LBS Financial Credit Union offer CDs?

Yes. LBS Financial Credit Union current CD rates include its 10 Month Promotional CD at 4.15% APY, its 48 Month CDs - Gold at 4.00% APY and its 5 Month Promotional CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from LBS Financial Credit Union NCUA insured?

Yes. LBS Financial 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 LBS Financial Credit Union?

The highest LBS Financial Credit Union CD rate is its 10 Month Promotional CD at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does LBS Financial Credit Union offer?

LBS Financial Credit Union CD rates are 4.00% APY for a 5 month CD, 4.15% APY for a 10 month CD, 3.80% APY for a 12 month CD, 3.95% APY for an 18 month CD, 3.85% APY for a 2 year CD, 4.00% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with LBS Financial Credit Union for its full lineup.

What is the highest savings rate at LBS Financial Credit Union?

The highest LBS Financial Credit Union savings rate is its IRA Sub/Savings Accounts at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at LBS Financial Credit Union?

The highest LBS Financial Credit Union money market rate is its Money Market at 1.30% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at LBS Financial Credit Union?

The highest LBS Financial Credit Union checking rate is its Interest Checking Accounts at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at LBS Financial Credit Union?

The lowest LBS Financial Credit Union auto loan rate is its New Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 30, 2026. LBS Financial Credit Union auto loan rates are 5.19% APR for a 36 month auto loan, 4.74% APR for a 66 month auto loan, 5.04% APR for a 75 month auto loan and 5.74% APR for an 84 month auto loan.

How many branches does LBS Financial Credit Union operate?

LBS Financial 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 LBS Financial Credit Union?

Yes, to access services at LBS Financial 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, LBS Financial 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, LBS Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does LBS Financial Credit Union offer online and mobile banking?

Most modern institutions like LBS Financial 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.lbsfcu.org.

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 LBS Financial Credit Union rates compare?

LBS Financial Credit Union's CD rates are 41% higher than the MonitorBankRates national average, and it has an A+ health rating. LBS Financial Credit Union's top rates are its 10 Month Promotional CD at 4.15% APY, its Summer Savings Accounts at 6.00% APY, its Money Market at 1.30% APY, its Interest Checking Accounts at 0.10% APY and its New Auto Loan at 4.74% APR, verified by MonitorBankRates on October 30, 2026.

Current LBS Financial Credit Union Rates

12-Month CD3.80%
18-Month CD3.85%
24-Month CD3.85%
60-Month CD3.90%
Savings6.00%
MMA1.30%

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

Compare to Other Credit Unions

LBS Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

LBS Financial Credit Union Texas Ratio

LBS Financial Credit Union Health Trend

LBS Financial Credit Union CD Rates

LBS Financial Credit Union Savings Rates

LBS Financial Credit Union Money Market Rates

LBS Financial Credit Union Checking Rates

LBS Financial Credit Union Auto Loan Rates

LBS Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

LBS Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About LBS Financial Credit Union

Does LBS Financial Credit Union offer CDs?

Are CDs from LBS Financial Credit Union NCUA insured?

What is the highest CD rate at LBS Financial Credit Union?

What CD terms does LBS Financial Credit Union offer?

What is the highest savings rate at LBS Financial Credit Union?

What is the highest money market rate at LBS Financial Credit Union?

What is the highest checking rate at LBS Financial Credit Union?

What is the lowest auto loan rate at LBS Financial Credit Union?

How many branches does LBS Financial Credit Union operate?

Is a member application needed to join LBS Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does LBS Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do LBS Financial Credit Union rates compare?

Current LBS Financial Credit Union Rates

Compare to Other Credit Unions