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LIFE Federal Credit Union

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LIFE Federal Credit Union Rates & Review April 2026

Q: Is a member application needed to join LIFE Federal Credit Union?

Yes, to access services at LIFE 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, LIFE Federal 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 17, 2026

You can compare LIFE Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.25%, 6-month share certificate rates at 3.98% and 3-month share certificate rates at 3.01%. Savings rates are at 0.02% and money market rates are at 1.51%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to LIFE Federal Credit Union rates. MonitorBankRates evaluates the financial stability of LIFE Federal Credit Union with a 3.7 Star Rating, an C- Overall Health Grade, and a Texas Ratio of 31.01%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade

C-

Below Average Health Score: 71/100

MonitorBankRates Rating

3.7

Very Good Out of 5.0 Stars

Texas Ratio

31.01%

Fair Higher than avg

LIFE Federal Credit Union
LiFE FCU

3351 Unicorn Lake Blvd
Denton, TX 76210

https://www.lifefcu.com

Current Rate Availability

We do not have LIFE Federal 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 LIFE 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 LIFE 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 LIFE Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LIFE Federal Credit Union

Website https://www.lifefcu.com

Address 3351 Unicorn Lake Blvd, Denton, TX 76210

Phone 940-565-5423

Fax 940-565-6415

President Anita Winkles

CEO Dustin Fuller

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 2

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.7 / 5.0 ★

Overall Health & Safety Grade

C- (71/100)

Texas Ratio

31.01%

Return on Assets (ROA)

0.1959%

Return on Equity (ROE)

2.4692%

Non-Performing Loans Ratio (NPL)

2.86%

Total Assets

20,176,101

Total Amount of Shares and Deposits

15,594,301

Total Shares and Deposits < 1 Year

13,940,071

Total Shares and Deposits 1 3 Years

519,802

Total Shares and Deposits > 3 Years

1,134,428

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

1,034,031

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

1,034,031

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

14,560,270

Total Interest Expense (Sum of items 6 8)

112,201

Share Certificates

Number of Accounts for Share Drafts

1,124

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,193

Non Member Deposits

Money Market Shares

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

39,531

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

325,999

Total Liabilities

18,903,642

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for LIFE Federal Credit Union yet. Feel free to create one below.

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Total Reviews

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Frequently Asked Questions About LIFE Federal Credit Union

Is LIFE Federal Credit Union a safe place to deposit money?

Yes, LIFE Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 31.013331867561%, the institution's financial health is rated as stable. 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 LIFE Federal Credit Union operate?

LIFE 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 LIFE Federal Credit Union?

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

Does LIFE Federal Credit Union offer online and mobile banking?

Most modern institutions like LIFE 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.lifefcu.com.