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LITHIUM

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LITHIUM Rates & Review March 2026

Q: Is LITHIUM a safe place to deposit money?

Yes, LITHIUM is considered a safe financial institution. With a Texas Ratio of 6.4309804406197%, 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.

Q: How many branches does LITHIUM operate?

LITHIUM 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 LITHIUM?

Yes, to access services at LITHIUM, 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, LITHIUM 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, LITHIUM 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: March 28, 2026

You can compare LITHIUM rates to other rates in our database, including 12-month share certificate rates currently at 0.20%, 6-month share certificate rates at 0.45% and 3-month share certificate rates at 1.75%. Savings rates are at 0.05% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to LITHIUM rates. MonitorBankRates evaluates the financial stability of LITHIUM with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.43%. Rates were last updated on 03/28/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.43%

Excellent Higher than avg

Valley Premier Bank
LITHIUM FEDERAL CU

1111 BESSEMER CITY KINGS MTN HWY
BESSEMER CITY, NC 28016 9640

http://www.lithiumfcu.org

Current Rate Availability

We do not have LITHIUM 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 LITHIUM 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 LITHIUM 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 LITHIUM's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LITHIUM

Website http://www.lithiumfcu.org

Address 1111 BESSEMER CITY KINGS MTN HWY, BESSEMER CITY, NC 28016 9640

Phone 704-868-0890

Fax 704-868-5497

President JACKIE GOODE

CEO Eric Campbell

Full-Time Employees 5

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 (97/100)

Texas Ratio

6.43%

Return on Assets (ROA)

0.4161%

Return on Equity (ROE)

2.9821%

Non-Performing Loans Ratio (NPL)

1.21%

Total Assets

15,947,218

Total Amount of Shares and Deposits

13,656,702

Total Shares and Deposits < 1 Year

13,100,985

Total Shares and Deposits 1 3 Years

306,717

Total Shares and Deposits > 3 Years

249,000

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

739,187

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

739,187

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

12,917,515

Total Interest Expense (Sum of items 6 8)

182,346

Share Certificates

Number of Accounts for Share Drafts

879

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,679

Non Member Deposits

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

66,361

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,105,526

Total Liabilities

13,721,943

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for LITHIUM yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About LITHIUM

Is LITHIUM a safe place to deposit money?

Yes, LITHIUM is considered a safe financial institution. With a Texas Ratio of 6.4309804406197%, 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 LITHIUM operate?

LITHIUM 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 LITHIUM?

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

Does LITHIUM offer online and mobile banking?

Most modern institutions like LITHIUM 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.lithiumfcu.org.