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iAdvertiser Disclosure
Advertiser Disclosure
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 Lenco Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 12, 2026
Lenco Credit Union's 6 MONTH CD rates are at 3.65%, 12 MONTH CD rates are at 3.55%, 15 MONTH CD rates are at 3.55%, 18 MONTH CD rates are at 3.55%, 21 MONTH CD rates are at 3.55%. Lenco Credit Union's money market rates are at 1.51%. Lenco Credit Union's Personal Loan Rates are at 5.19%. MonitorBankRates evaluates the financial stability of Lenco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.48%. Rates were last updated on 04/12/2026. Lenco 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 Lenco Credit Union? Share your experience about Lenco Credit Union by leaving a review below, or read customer reviews before you decide to use Lenco Credit Union. 
Lenco Credit Union CD Rates
Lenco Credit Union Savings Rates
Lenco Credit Union Money Market Rates
Lenco Credit Union Auto Loan Rates
Lenco Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Lenco 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 Lenco 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 Lenco Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Lenco Credit Union
Website
https://www.lenco.org
Address
615 W Maple Ave,
Adrian, MI 49221 1630
Phone
517-263-0851
Fax
517-263-1609
President
Sam Ewing
CEO
Ben Neal
Full-Time Employees
18
Part-Time Employees
1
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.48%
Return on Assets (ROA)
1.0189%
Return on Equity (ROE)
8.4520%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
135,488,348
Total Amount of Shares and Deposits
118,195,101
Total Shares and Deposits < 1 Year
114,372,081
Total Shares and Deposits 1 3 Years
2,784,956
Total Shares and Deposits > 3 Years
1,038,064
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,503,550
Total Uninsured Shares and Deposits > $250K (F+J)
4,503,550
Total Insured Shares and Deposits > $250K (item 17 less item K)
113,691,551
Total Interest Expense (Sum of items 6 8)
1,406,937
Share Certificates
1,105
Number of Accounts for Share Drafts
4,914
Number of Accounts for Regular Shares
9,864
All other shares
424
Money Market Shares
603
Net Income (unless the amount is already included in Undivided Earnings)
1,380,433
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,305,328
Total Liabilities
119,174,634
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Lenco Credit UnionIs Lenco Credit Union a safe place to deposit money?Yes, Lenco Credit Union is considered a safe financial institution. With a Texas Ratio of 1.4843379241935%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Lenco Credit Union operate?Lenco 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 Lenco Credit Union?Yes, to access services at Lenco 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, Lenco 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, Lenco Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Lenco Credit Union offer online and mobile banking?Most modern institutions like Lenco 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.lenco.org. Current Lenco Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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