What are the current interest rates at LES?

Current rates for LES include: 12-Month CD: 3.77%, Savings: 0.17%

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LES Rates & Review October 2026

Q: How many branches does LES operate?

LES 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 LES?

Yes, to access services at LES, 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, LES 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, LES 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 10, 2026

LES's top rates as of October 10, 2026 are 3.82% APY on its 12 month 1 year CD, 0.17% APY on savings, 0.17% APY on checking, personal loans from 9.25% APR, and credit cards from 9.00% APR, according to rates verified by MonitorBankRates. Other LES CD rates include 12 month 1 year Education IRA at 3.77%, 12 month 1 year IRA at 3.77%, and 12 month 1 year Roth IRA at 3.77%. MonitorBankRates evaluates the financial stability of LES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.58%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 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

0.58%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

LES
LES Federal Credit Union

950 N 22nd St Ste C
Baton Rouge, LA 70802

http://www.lesfcu.com

Customer Reviews

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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.

LES CD Rates

Product	Rate	APY	Term
12 month 1 year Share Certificate	3.80%	3.82%	12 months
Min Balance $50,000 Details Minimum $50,000 to earn Dividends Pd at Maturity Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 month 1 year Education IRA	3.75%	3.77%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.77% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 month 1 year IRA	3.75%	3.77%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.77% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 month 1 year Roth IRA	3.75%	3.77%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.77% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
12 month 1 year Share Certificate	3.75%	3.77%	12 months
Min Deposit $500 Details Minimum $500 to earn Dividends Pd at Maturity Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.77% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
6 month Share Certificate	3.25%	3.27%	6 months
Min Deposit $500 Details Minimum $500 to earn Dividends Pd at Maturity Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

LES Savings Rates

Product	Rate	APY
Club Accounts	0.15%	0.17%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.17% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Regular Shares (Savings)	0.15%	0.17%
Min Balance $5,000 Details Balance: $5,000 and Above Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.17% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
Regular Shares (Savings)	-	0.12%
Min Balance $100 Details Balance: $100 - $ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.12% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

LES Checking Rates

Product	Rate	APY	View More
Share Draft (Checking)	0.15%	0.17%
Min Balance $1,500 Details Balance: $1,500 - above Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.17% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

LES RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
NEW RECREATIONAL VEHICLE (Motor Homes) Loan	-	6.95%	72 months
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.95% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

LES Student Loan Rates

Product	Rate	Points	APR	Term	View More
EDUCATION LOAN SPECIAL	-	-	8.99%	12 months
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

LES Credit Card Rates

Product	Rate	APR
Visa Classic Credit Card	-	9.00%
Details Interest rate as low as 9.00% A.P.R.; 2% of balance repayment; 26 day grace period; Free fraud monitoring service 24/7; Lost or stolen card reporting day or night 800-325-3678; Free e-statements available; Convenient transactions through online banking or telephone service; EZ balance transfer of other high interest rate credit cards Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
VISA CREDIT CARD	-	9.00%
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

LES Personal Loan Rates

Product	APR	Term	View More
SIGNATURE LOAN	9.25%	60 months
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

LES Other Rates

Product	Rate	Points	APY/APR	Term
CHRISTMAS LOAN (October 1st to January 31st seasonal)	-	-	8.90%	12 months
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
CONSUMER MERCHANDISE (Misc Household Items) Loan	-	-	6.25%	48 months
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
LINE OF CREDIT (Revolving Credit)	-	-	9.50%	60 months
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
New/Used Vehic Loan	-	-	2.49%
Details As Low As; Rate subject to change based on market conditions and borrower eligibility. Qualifying LESFCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral and other criteria. Certain restrictions and other qualifications may exist. Membership eligibility is required. Check with a LESFCU representative for full details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%
REAL ESTATE (Unimproved Property) Loan	-	-	5.70%	96 months
Details All loan applicants must qualify. Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. LES Federal Credit Union membership is required. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.58%

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

LES’s Texas Ratio fell from 7.32% in Q3 2023 to 0.58% in Q2 2026, so its financial health has improved and is now very strong 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	$45M	0.58%	5.0	A+
March 31, 2026	$46M	2.06%	5.0	A+
December 31, 2025	$45M	5.24%	5.0	A+
September 30, 2025	$45M	2.58%	5.0	A+
June 30, 2025	$45M	1.91%	5.0	A+
March 31, 2025	$45M	0.98%	5.0	A+
December 31, 2024	$43M	2.65%	5.0	A+
September 30, 2024	$43M	2.84%	5.0	A+
June 30, 2024	$42M	4.02%	5.0	A+
March 31, 2024	$42M	2.99%	5.0	A+
December 31, 2023	$43M	10.26%	5.0	A
September 30, 2023	$42M	7.32%	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 LES 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 LES 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 LES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LES

Website http://www.lesfcu.com

Address 950 N 22nd St Ste C, Baton Rouge, LA 70802

Phone 225-342-3288

Fax 225-342-3289

President Lawrence White

CEO Jackie Patin

Full-Time Employees 11

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

0.58%

Return on Assets (ROA)

0.1025%

Return on Equity (ROE)

0.8756%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

45,063,676

Total Amount of Shares and Deposits

39,299,979

Total Shares and Deposits < 1 Year

39,299,978

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

1,975,933

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

1,975,933

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

37,324,046

Total Interest Expense (Sum of items 6 8)

207,551

Share Certificates

208

Number of Accounts for Share Drafts

2,148

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,352

All other shares

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

46,185

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)

329,894

Total Liabilities

39,783,323

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

LES 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.

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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/les-rates-review-6584">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       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

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Total Reviews

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Frequently Asked Questions About LES

How many branches does LES operate?

LES 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 LES?

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

Does LES offer online and mobile banking?

Most modern institutions like LES 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: http://www.lesfcu.com.

Current LES Rates

12-Month CD3.77%
Savings0.17%

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

Compare to Other Credit Unions

LES Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

LES Texas Ratio

LES Health Trend

LES CD Rates

LES Savings Rates

LES Checking Rates

LES RV, Boat and Powersport Loan Rates

LES Student Loan Rates

LES Credit Card Rates

LES Personal Loan Rates

LES Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

LES earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About LES

How many branches does LES operate?

Is a member application needed to join LES?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does LES offer online and mobile banking?

Current LES Rates

Compare to Other Credit Unions