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Lions Share Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
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 and Verified: September 21, 2026

Lions Share Federal Credit Union's 12-Month IRA CD rates are at 4.15%, 24-Month IRA CD rates are at 4.00%, Save To Win 12 Month CD rates are at 3.03%. Lions Share Federal Credit Union's savings rates are at 0.45%. MonitorBankRates evaluates the financial stability of Lions Share Federal Credit Union with a 1.1 Star Rating, an F Overall Health Grade, and a Texas Ratio of 15.10%. Rates last updated and verified on 09/21/2026.

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

Overall Health & Safety Grade ?
F
High Risk Health Score: 53/100
MonitorBankRates Rating ?
1.1
Weak Out of 5.0 Stars
Texas Ratio ?
15.10%
Good Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Lions Share Federal Credit Union
Headquarters
850 Harrison Rd
Salisbury, NC 28147-9021
https://www.lionsharecu.org
Member NCUA

Lions Share Federal Credit Union CD Rates

Product Rate APY Term View More
12-Month IRA CD - 4.15% 12 months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
1.1
Star Rating
F
Health Grade
◈ Texas Ratio: 15.10%
24-Month IRA CD - 4.00% 24 months
Min Deposit $500
Last Updated 09/21/2026
Institution Ratings
1.1
Star Rating
F
Health Grade
◈ Texas Ratio: 15.10%
Save To Win 12 Month Share Certificate - 3.03% 12 Month
Min Deposit $25
Min Balance $25
Details Earn Entries into monthly and quarterly prize drawings for every $25 deposited. Monthly Cash Prizes ranging from $25 to $1,000 awarded each month. Over 150 Winners are chosen every month. Up to $5,000 in quarterly prizes too!
Last Updated 09/21/2026
Institution Ratings
1.1
Star Rating
F
Health Grade
◈ Texas Ratio: 15.10%

Lions Share Federal Credit Union Savings Rates

Product Rate APY View More
Roth IRA Savings - 0.45%
Min Deposit $0
Last Updated 09/21/2026
Institution Ratings
1.1
Star Rating
F
Health Grade
◈ Texas Ratio: 15.10%
Traditional IRA Savings - 0.45%
Min Deposit $0
Last Updated 09/21/2026
Institution Ratings
1.1
Star Rating
F
Health Grade
◈ Texas Ratio: 15.10%

Lions Share Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Roaring Start Credit Builder Loan - - 10.99% 6 to 12 months
Details Borrow: $500 to $1,200, with flexibility to increase if needed. Repay in 6 to 12 months-or longer with approval. Funds Secured by LSFCU.
Last Updated 09/21/2026
Institution Ratings
1.1
Star Rating
F
Health Grade
◈ Texas Ratio: 15.10%
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.
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Financial Health History

Lions Share Federal Credit Union’s Texas Ratio fell from 20.80% in Q2 2023 to 15.10% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.5 to 1.1 and its Health Grade from B to F. 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.

0% 1.0★ 15% 2.0★ 31% 3.0★ 46% 4.0★ 62% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 20.80% B Q2 2023 C+ Q3 2023 C Q4 2023 D Q1 2024 F Q2 2024 D Q3 2024 F Q4 2024 C Q1 2025 C- Q2 2025 C- Q3 2025 F Q4 2025 15.10% F 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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$66M15.10%1.1F
December 31, 2025$61M18.83%1.2F
September 30, 2025$61M10.98%2.8C-
June 30, 2025$65M28.30%3.4C-
March 31, 2025$65M24.17%3.6C
December 31, 2024$63M45.60%2.5F
September 30, 2024$71M39.29%3.0D
June 30, 2024$71M41.66%2.8F
March 31, 2024$73M32.46%3.5D
December 31, 2023$71M27.48%4.0C
September 30, 2023$72M25.30%4.1C+
June 30, 2023$74M20.80%4.5B
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 Lions Share 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 Lions Share 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 Lions Share Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lions Share Federal Credit Union
Website https://www.lionsharecu.org
Address 850 Harrison Rd, Salisbury, NC 28147-9021
Phone 704-636-0643
Fax 704-637-6311
President Kara Goode
CEO Ronald Baron
Full-Time Employees 25
Part-Time Employees 0
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
1.1 / 5.0 ★
Overall Health & Safety Grade
F (53/100)
Texas Ratio
15.10%
Return on Assets (ROA)
-0.1513%
Return on Equity (ROE)
-4.8755%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
65,919,487
Total Amount of Shares and Deposits
63,581,213
Total Shares and Deposits < 1 Year
60,895,852
Total Shares and Deposits 1 3 Years
2,345,958
Total Shares and Deposits > 3 Years
339,402
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,190,534
Total Uninsured Shares and Deposits > $250K (F+J)
7,190,534
Total Insured Shares and Deposits > $250K (item 17 less item K)
56,390,679
Total Interest Expense (Sum of items 6 8)
218,134
Share Certificates
519
Number of Accounts for Share Drafts
5,644
IRA KEOGH Accounts
3
Number of Accounts for Regular Shares
12,140
Non Member Deposits
1
Money Market Shares
821
Net Income (unless the amount is already included in Undivided Earnings)
-99,735
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Significantly Undercapitalized
Net Worth Classification if credit union is a new credit union
Marginally Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,609,247
Total Liabilities
63,913,838
Source: NCUA — Last Updated 03/31/2026

Customer Reviews

There are no reviews for Lions Share Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Lions Share Federal Credit Union

How many branches does Lions Share Federal Credit Union operate?

Lions Share 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 Lions Share Federal Credit Union?

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

Does Lions Share Federal Credit Union offer online and mobile banking?

Most modern institutions like Lions Share 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.lionsharecu.org.

Current Lions Share Federal Credit Union Rates

  • 12-Month CD3.03%
  • 24-Month CD4.00%
  • Savings0.45%
Retrieved from our database of financial products. Rates subject to change.

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