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Lehigh County Employees Federal Credit Union Rates & Review September 2026

Lehigh County Employees Federal Credit Union's 1st Mortgage rates are at 5.00%, 1st Mortgage rates are at 5.25%, 1st Mortgage rates are at 5.50%. Lehigh County Employees Federal Credit Union's Personal Loan Rates are as low as 7.95%. MonitorBankRates evaluates the financial stability of Lehigh County Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/21/2026.

Lehigh County Employees Federal 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 Lehigh County Employees Federal Credit Union? Share your experience about Lehigh County Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lehigh County Employees Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.00%
Perfect Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Lehigh County Employees Federal Credit Union
courthouse
501 Hamilton St
Allentown, PA 18101
https://www.lehighcountycu.com
Member NCUA

Lehigh County Employees Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Club - 3.00%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Vacation Club - 2.00%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Lehigh County Employees Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
1st Mortgage - - 5.00% 10 years
Details Published APR range: 5.00 - 7.00%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
1st Mortgage - - 5.25% 15 years
Details Published APR range: 5.25 - 7.25%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
1st Mortgage - - 5.50% 20 years
Details Published APR range: 5.50 - 7.50%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Lehigh County Employees Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 5.25% 5 years
Details Published APR range: 5.25 - 7.25%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Home Equity - - 5.50% 10 years
Details Published APR range: 5.50 - 7.50%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Lehigh County Employees Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Autos - - 4.00% Up to 36 months
Details Published APR range: 4.00 - 6.00%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Autos 2022 and newer - - 4.25% Up to 36 months
Details Published APR range: 4.25 - 6.25%. 80-90% NADA retail
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
New Autos - - 4.50% Up to 60 months
Details Published APR range: 4.50 - 6.50%. 100% MSRP
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Autos 2022 and newer - - 4.50% 48 - 60 months
Details Published APR range: 4.50 - 6.50%. 80-90% NADA retail
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
New Autos - - 4.99% Up to 72 months
Details Published APR range: 4.99 - 6.99%. 100% MSRP
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Autos 2022 and newer - - 4.99% Up to 72 months
Details Published APR range: 4.99 - 6.99%. 80-90% NADA retail
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Autos 2018 - 2021 - - 6.00% Up to 48 months
Details Published APR range: 6.00 - 8.00%. 75% NADA retail
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Used Autos 2018 - 2021 - - 6.50% Up to 60 months
Details Published APR range: 6.50 - 8.50%. 75% NADA retail
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Lehigh County Employees Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
NEW Motorcycles Loan - 5.50%
Details Published APR range: 5.50 - 7.50%. 80% MSRP for new or NADA for used
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
USED Motorcycles Loan - 6.25%
Details Published APR range: 6.25 - 8.25%. 80% MSRP for new or NADA for used
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Recreational Vehicle - titled by PA Department of Transportation Loan - 6.50%
Details Published APR range: 6.50 - 7.00%.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Lehigh County Employees Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Unsecured Loan 7.95% Up to 36 months
Details Published APR range: 7.95 - 12.95%. Max. $10,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Lehigh County Employees Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Credit Builder Loan - - 15.00%
Details Max $1,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Line of Credit - - 15.00% Up to 36 months
Details Max $3,500.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Shares - - 1.25%
Min Balance $25
Details Balance: $25.00 - $10,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Shares - - 1.50%
Min Balance $10,000
Details Balance: $10,000.01 - $25,000.00
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Shares - - 1.75%
Min Balance $25,000
Details Balance: $25,000.01 - $74,999.99
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Shares - - 2.00%
Min Balance $75,000
Details Balance: $75,000.00 and Up
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Financial Health History

Lehigh County Employees Federal Credit Union’s Texas Ratio stayed near 0.09% in Q2 2023 to 0.00% in Q1 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.

0% 1.0★ 0.5% 2.0★ 0.9% 3.0★ 1.4% 4.0★ 1.8% 5.0★ Healthy zone – entire history below the 15% limit 0.09% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 0.00% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$33M0.00%5.0A+
December 31, 2025$32M0.00%5.0A+
September 30, 2025$31M0.00%5.0A+
June 30, 2025$31M0.00%5.0A+
March 31, 2025$31M0.01%5.0A+
December 31, 2024$30M0.40%5.0A+
September 30, 2024$30M1.37%5.0A+
June 30, 2024$30M0.06%5.0A+
March 31, 2024$29M0.07%5.0A+
December 31, 2023$29M0.08%5.0A+
September 30, 2023$28M0.08%5.0A+
June 30, 2023$29M0.09%5.0A+
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 Lehigh County Employees Federal 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 Lehigh County Employees Federal 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 Lehigh County Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lehigh County Employees Federal Credit Union
Address 501 Hamilton St, Allentown, PA 18101
Phone 610-782-3318
Fax 610-817-2783
President Kathleen Warren
CEO Christine Kosman
Full-Time Employees 3
Part-Time Employees 1
Branch Locations 2
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+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
0.3982%
Return on Equity (ROE)
2.5561%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
32,607,248
Total Amount of Shares and Deposits
27,513,165
Total Shares and Deposits < 1 Year
27,513,165
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,798,496
Total Uninsured Shares and Deposits > $250K (F+J)
1,798,496
Total Insured Shares and Deposits > $250K (item 17 less item K)
25,714,669
Total Interest Expense (Sum of items 6 8)
90,547
Number of Accounts for Share Drafts
1,174
Number of Accounts for Regular Shares
2,220
Net Income (unless the amount is already included in Undivided Earnings)
129,844
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)
7,240,879
Total Liabilities
27,527,572
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Lehigh County Employees Federal 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Lehigh County Employees Federal Credit Union

How many branches does Lehigh County Employees Federal Credit Union operate?

Lehigh County Employees Federal 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 Lehigh County Employees Federal Credit Union?

Yes, to access services at Lehigh County Employees Federal 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, Lehigh County Employees Federal 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, Lehigh County Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lehigh County Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Lehigh County Employees Federal 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.lehighcountycu.com.