LCRA Credit Union Rates & Review November 2026

Yes. LCRA Credit Union current CD rates include its 6 Month Regular/IRA Term CD at 3.95% APY, its 12 Month Regular/IRA Term CD at 3.75% APY and its 18 Month Regular/IRA Term CD at 3.75% APY, verified by MonitorBankRates as of October 30, 2026.

Yes. LCRA 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.

The highest LCRA Credit Union CD rate is its 6 Month Regular/IRA Term CD at 3.95% APY, verified by MonitorBankRates as of October 30, 2026.

LCRA Credit Union CD rates are 3.95% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.75% APY for an 18 month CD and 3.25% APY for a 2 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 LCRA Credit Union for its full lineup.

The highest LCRA Credit Union checking rate is its Power Checking at 0.15% APY, verified by MonitorBankRates as of October 30, 2026.

The lowest LCRA Credit Union auto loan rate is its Vehicle Loan at 4.25% APR, verified by MonitorBankRates as of October 30, 2026.

The lowest LCRA Credit Union personal loan rate is its Personal Loan at 11.25% APR, verified by MonitorBankRates as of October 30, 2026.

The lowest LCRA Credit Union credit card APR is its MasterCard Gold Credit Card at 9.90% APR, verified by MonitorBankRates as of October 30, 2026.

LCRA 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.

Yes, to access services at LCRA 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.

Currently, LCRA 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.

While formal credit repair services are not currently listed, LCRA Credit Union provides members with tools to manage their accounts and build a solid financial history.

Most modern institutions like LCRA 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://lcracu.org.

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.

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.

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

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.

LCRA Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. LCRA Credit Union's top rates are its 6 Month Regular/IRA Term CD at 3.95% APY, its Power Checking at 0.15% APY, its Personal Loan at 11.25% APR and its MasterCard Gold Credit Card at 9.90% APR, verified by MonitorBankRates on October 30, 2026.