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Light Commerce Credit Union

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Light Commerce Credit Union Rates & Review April 2026

Q: Is a member application needed to join Light Commerce Credit Union?

Yes, to access services at Light Commerce 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Light Commerce Credit Union 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: April 5, 2026

You can compare Light Commerce Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.68%, 6-month share certificate rates at 0.10% and 3-month share certificate rates at 0.60%. Savings rates are at 0.03% and money market rates are at 1.06%. Mortgage rates on 30-year fixed loans are around 5.90%. All these rates can be compared to Light Commerce Credit Union rates. MonitorBankRates evaluates the financial stability of Light Commerce Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.65%. Rates were last updated on 04/05/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.65%

Excellent Lower than avg

Light Commerce Credit Union
LIGHT COMMERCE CREDIT UNION

1535 Greensmark Dr
HOUSTON, TX 77067 4020

https://www.lightcommercecu.org

Current Rate Availability

We do not have Light Commerce Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Light Commerce 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 Light Commerce 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 Light Commerce Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Light Commerce Credit Union

Website https://www.lightcommercecu.org

Address 1535 Greensmark Dr, HOUSTON, TX 77067 4020

Phone 281-876-7576

Fax 281-876-7577

President IRA HILLIARD

CEO HARLENE JOHNSON

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

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+ (99/100)

Texas Ratio

2.65%

Return on Assets (ROA)

2.1659%

Return on Equity (ROE)

10.7194%

Non-Performing Loans Ratio (NPL)

1.31%

Total Assets

6,030,708

Total Amount of Shares and Deposits

4,552,081

Total Shares and Deposits < 1 Year

3,208,519

Total Shares and Deposits 1 3 Years

1,343,562

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

499,750

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

499,750

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

4,052,331

Total Interest Expense (Sum of items 6 8)

18,343

Share Certificates

130

Number of Accounts for Share Drafts

401

Number of Accounts for Regular Shares

983

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,429,383

Total Liabilities

4,812,182

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Light Commerce Credit Union

Is Light Commerce Credit Union a safe place to deposit money?

Yes, Light Commerce Credit Union is considered a safe financial institution. With a Texas Ratio of 2.6500870724137%, 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 Light Commerce Credit Union operate?

Light Commerce 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 Light Commerce Credit Union?

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

Does Light Commerce Credit Union offer online and mobile banking?

Most modern institutions like Light Commerce 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.lightcommercecu.org.