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LM Federal Credit Union

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LM Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at LM Federal Credit Union?

Current rates for LM Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.40%, 24-Month CD: 3.15%, Savings: 0.35%, MMA: 1.50%

Q: What CD terms does LM Federal Credit Union offer?

LM Federal Credit Union CD rates are 3.60% APY for a 6 month CD, 3.50% APY for a 12 month CD, 3.40% APY for an 18 month CD, 3.15% APY for a 2 year CD and 3.15% APY for a 3 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with LM Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

LM Federal Credit Union's 6 Month CD rates are at 3.60%, 12 Month CD rates are at 3.50%, 18 Month CD rates are at 3.40%, 24 Month CD rates are at 3.15%, 36 Month CD rates are at 3.15%. LM Federal Credit Union's savings rates are at 0.35%. LM Federal Credit Union's money market rates are at 1.50%. LM Federal Credit Union's checking rates are as high as 0.10%. LM Federal Credit Union's Personal Loan Rates are as low as 3.55%. LM Federal Credit Union's Credit Card Rates are at 12.65%. LM Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of LM Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.80%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 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

0.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

LM Federal Credit Union
MAIN OFFICE

101 CHESAPEAKE PARK PLZ
BALTIMORE, MD 21220

https://www.lmfcu.org

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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.

LM Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA, Roth or ESA 6 Month Certificate	-	3.70%	6 Month
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 6 Month Jumbo Certificate	-	3.70%	6 Month
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
6 Month Certificate	-	3.60%	6 months
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
6 Month Jumbo Certificate	-	3.60%	6 months
Min Balance $25,000 Details Regular Certificate Accounts; Jumbo Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 12 Month Certificate	-	3.60%	12 Month
Min Balance $500 Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60% Oct 23, 20263.60%▼ from 4.00% Oct 12, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 12 Month Jumbo Certificate	-	3.60%	12 Month
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
12 Month Certificate	-	3.50%	12 months
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50% Oct 23, 20263.50%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
12 Month Jumbo Certificate	-	3.50%	12 months
Min Balance $25,000 Details Regular Certificate Accounts; Jumbo Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 18 Month Certificate	-	3.50%	18 Month
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 18 Month Jumbo Certificate	-	3.50%	18 Month
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
18 Month Certificate	-	3.40%	18 months
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
18 Month Jumbo Certificate	-	3.40%	18 months
Min Balance $25,000 Details Regular Certificate Accounts; Jumbo Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 24 Month Certificate	-	3.25%	24 Month
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 24 Month Jumbo Certificate	-	3.25%	24 Month
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 36 Month Certificate	-	3.25%	36 Month
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 36 Month Jumbo Certificate	-	3.25%	36 Month
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
24 Month Certificate	-	3.15%	24 months
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
24 Month Jumbo Certificate	-	3.15%	24 months
Min Balance $25,000 Details Regular Certificate Accounts; Jumbo Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
36 Month Certificate	-	3.15%	36 months
Min Balance $500 Details Regular Certificate Accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
36 Month Jumbo Certificate	-	3.15%	36 months
Min Balance $25,000 Details Regular Certificate Accounts; Jumbo Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Certificate	-	2.10%	3 Month
Min Balance $1,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA 3 Month Jumbo Certificate	-	2.10%	3 Month
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3 Month Certificate	-	2.00%	3 months
Min Balance $1,000 Details Regular Certificate Accounts Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3 Month Jumbo Certificate	-	2.00%	3 months
Min Balance $25,000 Details Regular Certificate Accounts; Jumbo Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.50%
Min Balance $200,000 Details Balance: $200,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.50%
Min Balance $200,000 Details Balance: $200,000.00 and over; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.45%
Min Balance $100,000 Details Balance: $100,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.45%
Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.35%
Min Balance $50,000 Details Balance: $50,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.35%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.25%
Min Balance $25,000 Details Balance: $25,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.95%
Min Balance $50,000 Details Balance: $50,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.95%
Min Balance $100,000 Details Balance: $100,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $2,500 Details Balance: $2,500.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $10,000 Details Balance: $10,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $25,000 Details Balance: $25,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
IRA, Roth or ESA Shares (Savings)	-	0.35%
Min Balance $100 Details IRA, Roth or ESA shares Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Club & Escrow Accounts	-	0.25%
Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Share (Savings) Accounts (Primary & Secondary)	-	0.25%
Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.50%
Min Balance $200,000 Details Balance: $200,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.50%
Min Balance $200,000 Details Balance: $200,000.00 and over; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.45%
Min Balance $100,000 Details Balance: $100,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.45%
Min Balance $100,000 Details Balance: $100,000.00 - $199,999.99; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.35%
Min Balance $50,000 Details Balance: $50,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.35%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus & IRA, Roth or ESA Money Market Plus Shares	-	1.25%
Min Balance $25,000 Details Balance: $25,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Plus Shares	-	1.25%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; IRA, Roth or ESA Money Market Plus Shares also listed under this heading Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.95%
Min Balance $50,000 Details Balance: $50,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.95%
Min Balance $100,000 Details Balance: $100,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $2,500 Details Balance: $2,500.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $10,000 Details Balance: $10,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Money Market Shares & IRA Money Market Shares	-	0.85%
Min Balance $25,000 Details Balance: $25,000.00 and over; APY*; Rates as of 10/22/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	-	0.10%
Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loans	-	-	3.99%	Up to 48 months
Details As Low As; 0% down; 2024, 2025 or 2026 auto or truck with less than 25,000 miles; includes 1/4% automatic repayment discount and 0.10% online application discount Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 3.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
New Vehicle Loans	-	-	4.24%	49 to 60 months
Details As Low As; 0% down; 2024, 2025 or 2026 auto or truck with less than 25,000 miles; includes 1/4% automatic repayment discount and 0.10% online application discount Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 4.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loan	-	-	4.49%	Up to 48 months
Details As Low As; 0% down; Model year 2020-2023; to purchase (from a dealer or private party) or refinance; Rates include 1/4% automatic repayment discount and 0.10% online application discount; minimum rate 4.49% for model years 2020-2021, 2023, and 2025 with more than 25,000 miles Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
New Vehicle Loans	-	-	4.74%	61 to 72 months
Details As Low As; 0% down; 2024, 2025 or 2026 auto or truck with less than 25,000 miles; includes 1/4% automatic repayment discount and 0.10% online application discount Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loan	-	-	4.74%	49 to 60 months
Details As Low As; 0% down; Model year 2020-2023; to purchase (from a dealer or private party) or refinance; Rates include 1/4% automatic repayment discount and 0.10% online application discount; minimum rate 4.49% for model years 2020-2021, 2023, and 2025 with more than 25,000 miles Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 4.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loan	-	-	5.24%	61 to 72 months
Details As Low As; 0% down; Model year 2020-2023; to purchase (from a dealer or private party) or refinance; Rates include 1/4% automatic repayment discount and 0.10% online application discount; minimum rate 4.49% for model years 2020-2021, 2023, and 2025 with more than 25,000 miles Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
New Vehicle Loans	-	-	5.49%	73 to 84 months
Details As Low As; 0% down; 2024, 2025 or 2026 auto or truck with less than 25,000 miles; includes 1/4% automatic repayment discount and 0.10% online application discount Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2017 - 2019)	5.49%	-	5.49%	49 to 60 months
Details As Low As; (0% down); Purchase or refinance; Model years 2017-2019; Monthly Payment Per $1,000 $19.33; Includes 1/4% automatic repayment discount and 0.10% online application discount; Minimum rate 5.24% Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loan (2013 - 2016)	-	-	5.99%	Up to 48 months
Details As Low As; 0% down; Purchase or refinance; Model years 2013 thru 2016; Rates include 1/4% automatic repayment discount and online application discount of 0.10%; Minimum rate 5.99% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loans (2017 - 2019)	5.99%	-	5.99%	61 to 72 months
Details As Low As; (0% down); Purchase or refinance; Model years 2017-2019; Monthly Payment Per $1,000 $16.81; Includes 1/4% automatic repayment discount and 0.10% online application discount; Minimum rate 5.24% Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Used Vehicle Loan (2013 - 2016)	-	-	6.49%	49 to 54 months
Details As Low As; 0% down; Purchase or refinance; Model years 2013 thru 2016; Rates include 1/4% automatic repayment discount and online application discount of 0.10%; Minimum rate 5.99% Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	4.49%	4.49%	Up to 6 years
Details As Low As; Loans $25,000 - $100,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	4.49%	4.49%	Up to 10 years
Details As Low As; Loans $25,000 - $100,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Motorcycle Loan	4.49%	4.49%	4 years (48 months)
Details As Low As; To purchase or refinance a new or used motorcycle (up to 10 years old); Assuming 20% down and automatic repayment; used rates 1/2% higher; Other rates may apply depending on term, down payment and automatic repayment Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	4.49%	4.49%	Up to 6 years
Details As Low As; Loans $25,000 - $100,000; Rate/APR as low as; 1/4% discount available with 5-year balloon payment (minimum loan $25,000); Rate 1/4% lower if 30% down; Rate 1/4% higher if less than 20% down; Maximum loan $125,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	4.49%	4.49%	Up to 10 years
Details As Low As; Loans $25,000 - $100,000; Rate/APR as low as; 1/4% discount available with 5-year balloon payment (minimum loan $25,000); Rate 1/4% lower if 30% down; Rate 1/4% higher if less than 20% down; Maximum loan $125,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	4.74%	4.74%	Up to 15 years
Details As Low As; Loans $25,000 - $125,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Motorcycle Loan	4.74%	4.74%	5 years (66 months)
Details As Low As; To purchase or refinance a new or used motorcycle (up to 10 years old); Assuming 20% down and automatic repayment; used rates 1/2% higher; Other rates may apply depending on term, down payment and automatic repayment Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	4.74%	4.74%	Up to 15 years
Details As Low As; Loans $25,000 - $125,000; Rate/APR as low as; 1/4% discount available with 5-year balloon payment (minimum loan $25,000); Rate 1/4% lower if 30% down; Rate 1/4% higher if less than 20% down; Maximum loan $125,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	5.24%	5.24%	Up to 6 years
Details As Low As; Loans $15,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	5.24%	5.24%	Up to 6 years
Details As Low As; Loans $15,000 - $24,999; Rate/APR as low as; 1/4% discount available with 5-year balloon payment (minimum loan $25,000); Rate 1/4% lower if 30% down; Rate 1/4% higher if less than 20% down; Maximum loan $125,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	5.74%	5.74%	Up to 6 years
Details As Low As; Under $15,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	5.74%	5.74%	Up to 10 years
Details As Low As; Loans $15,000 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	5.74%	5.74%	Up to 6 years
Details As Low As; Under $15,000; Rate/APR as low as; 1/4% discount available with 5-year balloon payment (minimum loan $25,000); Rate 1/4% lower if 30% down; Rate 1/4% higher if less than 20% down; Maximum loan $125,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	5.74%	5.74%	Up to 10 years
Details As Low As; Loans $15,000 - $24,999; Rate/APR as low as; 1/4% discount available with 5-year balloon payment (minimum loan $25,000); Rate 1/4% lower if 30% down; Rate 1/4% higher if less than 20% down; Maximum loan $125,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Boat Loan	6.24%	6.24%	Up to 10 years
Details As Low As; Under $15,000 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	6.24%	6.24%	Up to 10 years
Details As Low As; Under $15,000; Rate/APR as low as; 1/4% discount available with 5-year balloon payment (minimum loan $25,000); Rate 1/4% lower if 30% down; Rate 1/4% higher if less than 20% down; Maximum loan $125,000.00 Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	12.65%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 12.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Share Loans	3.55%
Details As Low As; Share & Certificate Loans: borrow against your share/savings account; Rate/APR as low as 3.55% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.55% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal & Home Improvement Loans	8.49%
Details As Low As; Fixed rate unsecured loan; Repayment term is based on the loan amount; Minimum loan of $300, maximum loan of $25,000; Rate/APR as low as 8.49% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

LM Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Educational / Computer Loans	-	-	7.49%
Details As Low As; Rate/APR as low as 7.49%; Monthly Payment Per $1,000: $45.00; Max term 24 months; Minimum loan of $500, maximum loan of $5,000; Repayment term is based on the loan amount Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Personal & Home Improvement Loans	-	-	8.49%
Details As Low As; Fixed rate unsecured loan; Repayment term is based on the loan amount. Call for details.; Minimum loan of $300, maximum loan of $25,000. Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	-	-	4.49%	Up to 6 years
Details As Low As; Loan Amount: $25,000 - $100,000; Motor home, travel trailer or camper Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	-	-	5.24%	Up to 6 years
Details As Low As; Loan Amount: $15,000 - $24,999; Motor home, travel trailer or camper Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	-	-	5.74%	Up to 6 years
Details As Low As; Loan Amount: Under $15,000; Motor home, travel trailer or camper Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	-	-	4.49%	Up to 10 years
Details As Low As; Loan Amount: $25,000 - $100,000; Motor home, travel trailer or camper Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	-	-	5.74%	Up to 10 years
Details As Low As; Loan Amount: $15,000 - $24,999; Motor home, travel trailer or camper Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	-	-	6.24%	Up to 10 years
Details As Low As; Loan Amount: Under $15,000; Motor home, travel trailer or camper Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
Recreational Vehicle Loan	-	-	4.74%	Up to 15 years
Details As Low As; Loan Amount: $25,000 - $125,000; Motor home, travel trailer or camper Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

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

LM Federal Credit Union’s Texas Ratio fell from 1.47% in Q3 2023 to 0.80% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$60M	0.80%	5.0	A+
March 31, 2026	$62M	0.39%	5.0	A+
December 31, 2025	$59M	0.69%	5.0	A+
September 30, 2025	$60M	1.27%	5.0	A+
June 30, 2025	$60M	0.60%	5.0	A+
March 31, 2025	$60M	0.64%	5.0	A+
December 31, 2024	$58M	1.15%	5.0	A+
September 30, 2024	$57M	2.02%	5.0	A+
June 30, 2024	$57M	0.86%	5.0	A+
March 31, 2024	$57M	0.77%	5.0	A+
December 31, 2023	$53M	0.60%	5.0	A+
September 30, 2023	$54M	1.47%	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 LM 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 LM 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 LM Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LM Federal Credit Union

Website https://www.lmfcu.org

Address 101 CHESAPEAKE PARK PLZ, BALTIMORE, MD 21220

Phone 410-687-5240

Fax 410-687-1322

President TIMOTHY PRESTON

CEO MARK BOLD

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 3

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

0.80%

Return on Assets (ROA)

0.7060%

Return on Equity (ROE)

5.6941%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

60,304,819

Total Amount of Shares and Deposits

52,453,937

Total Shares and Deposits < 1 Year

51,102,129

Total Shares and Deposits 1 3 Years

1,341,290

Total Shares and Deposits > 3 Years

10,518

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

3,538,657

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

3,538,657

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

48,915,280

Total Interest Expense (Sum of items 6 8)

272,671

Share Certificates

355

Number of Accounts for Share Drafts

1,626

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,329

All other shares

368

Money Market Shares

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)

12,354,489

Total Liabilities

52,827,643

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

LM Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About LM Federal Credit Union

Does LM Federal Credit Union offer CDs?

Yes. LM Federal Credit Union current CD rates include its 6 Month CD at 3.60% APY, its 12 Month CD at 3.50% APY and its 18 Month CD at 3.40% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from LM Federal Credit Union NCUA insured?

Yes. LM Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at LM Federal Credit Union?

The highest LM Federal Credit Union CD rate is its IRA, Roth or ESA 6 Month CD at 3.70% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does LM Federal Credit Union offer?

LM Federal Credit Union CD rates are 3.60% APY for a 6 month CD, 3.50% APY for a 12 month CD, 3.40% APY for an 18 month CD, 3.15% APY for a 2 year CD and 3.15% APY for a 3 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with LM Federal Credit Union for its full lineup.

What is the highest savings rate at LM Federal Credit Union?

The highest LM Federal Credit Union savings rate is its IRA, Roth or ESA Shares (Savings) at 0.35% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at LM Federal Credit Union?

The highest LM Federal Credit Union money market rate is its Money Market Plus & IRA, Roth or ESA Money Market Plus Shares at 1.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at LM Federal Credit Union?

The highest LM Federal Credit Union checking rate is its Interest Checking at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at LM Federal Credit Union?

The lowest LM Federal Credit Union auto loan rate is its New Vehicle Loans at 3.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at LM Federal Credit Union?

The lowest LM Federal Credit Union personal loan rate is its Personal & Home Improvement Loans at 8.49%, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at LM Federal Credit Union?

The lowest LM Federal Credit Union credit card APR is its Visa Platinum Credit Card at 12.65% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does LM Federal Credit Union operate?

LM 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 LM Federal Credit Union?

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

Does LM Federal Credit Union offer online and mobile banking?

Most modern institutions like LM 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.lmfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do LM Federal Credit Union rates compare?

LM Federal Credit Union's CD rates are 13% higher than the MonitorBankRates national average, and it has an A+ health rating. LM Federal Credit Union's top rates are its IRA, Roth or ESA 6 Month CD at 3.70% APY, its IRA, Roth or ESA Shares (Savings) at 0.35% APY, its Money Market Plus & IRA, Roth or ESA Money Market Plus Shares at 1.50% APY, its Interest Checking at 0.10% APY, its Share Loans at 3.55% APR and its Visa Platinum Credit Card at 12.65% APR, verified by MonitorBankRates on October 28, 2026.

Current LM Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.40%
24-Month CD3.15%
Savings0.35%
MMA1.50%

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

Compare to Other Credit Unions

LM Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

LM Federal Credit Union Texas Ratio

LM Federal Credit Union Health Trend

LM Federal Credit Union CD Rates

LM Federal Credit Union Savings Rates

LM Federal Credit Union Money Market Rates

LM Federal Credit Union Checking Rates

LM Federal Credit Union Auto Loan Rates

LM Federal Credit Union RV, Boat and Powersport Loan Rates

LM Federal Credit Union Credit Card Rates

LM Federal Credit Union Personal Loan Rates

LM Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

LM Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About LM Federal Credit Union

Does LM Federal Credit Union offer CDs?

Are CDs from LM Federal Credit Union NCUA insured?

What is the highest CD rate at LM Federal Credit Union?

What CD terms does LM Federal Credit Union offer?

What is the highest savings rate at LM Federal Credit Union?

What is the highest money market rate at LM Federal Credit Union?

What is the highest checking rate at LM Federal Credit Union?

What is the lowest auto loan rate at LM Federal Credit Union?

What is the lowest personal loan rate at LM Federal Credit Union?

What is the lowest credit card APR at LM Federal Credit Union?

How many branches does LM Federal Credit Union operate?

Is a member application needed to join LM Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does LM Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do LM Federal Credit Union rates compare?

Current LM Federal Credit Union Rates

Compare to Other Credit Unions