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Long Beach City Employees Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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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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: October 30, 2026
Long Beach City Employees Credit Union's checking rates are as high as 1.31%. Long Beach City Employees Credit Union's Auto Loan Rates are as low as 4.49%. Long Beach City Employees Credit Union's Credit Card Rates are at 10.25%. MonitorBankRates evaluates the financial stability of Long Beach City Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.03%. Rates last updated and verified on 10/30/2026. Long Beach City Employees 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 Long Beach City Employees Credit Union? Share your experience about Long Beach City Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Long Beach City Employees Credit Union. Long Beach City Employees Credit Union
Long Beach City Employees Federal Credit Union 2845 Temple Ave
https://www.lbcefcu.org Signal Hill, CA 90755-2212  Customer Reviews
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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. Long Beach City Employees Credit Union Checking Rates
Long Beach City Employees Credit Union Auto Loan Rates
Long Beach City Employees Credit Union RV, Boat and Powersport Loan Rates
Long Beach City Employees Credit Union Credit Card Rates
Financial Health HistoryLong Beach City Employees Credit Union’s Texas Ratio stayed near 0.02% in Q3 2023 to 0.03% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Long Beach City Employees 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 Long Beach City Employees 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 Long Beach City Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Long Beach City Employees Credit Union
Website
https://www.lbcefcu.org
Address
2845 Temple Ave,
Signal Hill, CA 90755-2212
Phone
562-595-4725
Fax
562-595-1403
President
Jeff Evans
CEO
Kathleen O'Connell
Full-Time Employees
20
Part-Time Employees
5
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.03%
Return on Assets (ROA)
0.1570%
Return on Equity (ROE)
1.1337%
Non-Performing Loans Ratio (NPL)
0.01%
Total Assets
270,625,133
Total Amount of Shares and Deposits
233,977,452
Total Shares and Deposits < 1 Year
233,977,452
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,433,855
Total Uninsured Shares and Deposits > $250K (F+J)
14,433,855
Total Insured Shares and Deposits > $250K (item 17 less item K)
219,543,597
Total Interest Expense (Sum of items 6 8)
1,786,172
Number of Accounts for Share Drafts
7,019
Number of Accounts for Regular Shares
10,731
Net Income (unless the amount is already included in Undivided Earnings)
424,102
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)
24,906,342
Total Liabilities
235,423,356
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Long Beach City Employees Credit UnionWhat is the lowest auto loan rate at Long Beach City Employees Credit Union?The lowest Long Beach City Employees Credit Union auto loan rate is its Auto Loan at 4.49% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Long Beach City Employees Credit Union?The lowest Long Beach City Employees Credit Union credit card APR is its Simple Credit Card at 10.25% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Long Beach City Employees Credit Union operate?Long Beach City Employees 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 Long Beach City Employees Credit Union?Yes, to access services at Long Beach City Employees 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, Long Beach City Employees 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, Long Beach City Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Long Beach City Employees Credit Union offer online and mobile banking?Most modern institutions like Long Beach City Employees 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.lbcefcu.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 Long Beach City Employees Credit Union rates compare?Long Beach City Employees Credit Union's top rates are its Share Draft Account at 1.31% APY, its Auto Loan at 4.49% APR and its Simple Credit Card at 10.25% APR, verified by MonitorBankRates on October 30, 2026. Compare to Other Credit Unions
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