What are the current interest rates at Lookout Federal Credit Union?

Current rates for Lookout Federal Credit Union include: 12-Month CD: 1.80%, 18-Month CD: 1.85%, 24-Month CD: 1.90%, 60-Month CD: 2.35%, Savings: 0.25%, MMA: 3.00%

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Lookout Federal Credit Union

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Lookout Federal Credit Union Rates & Review August 2026

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

Yes, to access services at Lookout 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, Lookout 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 and Verified: August 28, 2026

Lookout Federal Credit Union's 6 month rates are at 3.85%, 9 month rates are at 3.85%, 60 month Rewards CD rates are at 2.60%, Share/IRA CDs 60 month rates are at 2.35%, 48 month Rewards CD rates are at 2.20%. Lookout Federal Credit Union's savings rates are at 0.25%. Lookout Federal Credit Union's money market rates are at 3.00%. Lookout Federal Credit Union's Personal Loan Rates are at 6.74%. MonitorBankRates evaluates the financial stability of Lookout Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.82%. Rates last updated and verified on 08/28/2026.

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

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.82%

Excellent Higher than avg

Lookout Federal Credit Union
Lookout FCU Omni Building

275 S 5th Ave
Pocatello, ID 83201

https://www.lookoutcu.com

Lookout Federal Credit Union CD Rates

Product	Rate	APY	Term
6 month	3.85%	3.85%	6 Months
Min Deposit $500 Details Limited Time Offer. New money required. Effective 04/27/26. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
9 month	3.85%	3.85%	9 Months
Min Deposit $500 Details Limited Time Offer. New money required. Effective 04/27/26. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
60 month Rewards CD	-	2.60%	60 month
Min Deposit $500 Details .25% (with active Rewards Checking ) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 60 month	-	2.35%	60 Months
Details IRA CD .25% Increase (APY): 2.60% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
48 month Rewards CD	-	2.20%	48 Months
Details Rewards CD .25% (with active Rewards Checking) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 48 month	-	2.20%	48 Months
Details IRA CD .25% Increase (APY): 2.45% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
36 month Rewards CD	-	2.10%	36 Months
Details Rewards CD .25% (with active Rewards Checking) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 36 month	-	2.10%	36 Months
Details IRA CD .25% Increase (APY): 2.35% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
30 month Rewards CD	-	1.95%	30 Months
Details Rewards CD .25% (with active Rewards Checking) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 30 month	-	1.95%	30 Months
Details IRA CD .25% Increase (APY): 2.20% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
24 month Rewards CD	-	1.90%	24 Months
Details Rewards CD .25% (with active Rewards Checking) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 24 month	-	1.90%	24 Months
Details IRA CD .25% Increase (APY): 2.15% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
18 month Rewards CD	-	1.85%	18 Months
Details Rewards CD .25% (with active Rewards Checking) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 18 month	-	1.85%	18 Months
Details IRA CD .25% Increase (APY): 2.10% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
12 month Rewards CD	-	1.80%	12 Months
Details Rewards CD .25% (with active Rewards Checking) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 12 month	-	1.80%	12 Months
Details IRA CD .25% Increase (APY): 2.05% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
3 month Rewards CD	-	1.40%	3 Months
Min Balance $500 Details Rewards CD .25% (with active Rewards Checking) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 3 month	-	1.40%	3 Months
Min Balance $500 Details IRA CD .25% Increase (APY): 1.65% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Share/IRA Certificates 6 month	-	1.40%	6 Months
Details IRA CD .25% Increase (APY): 1.65% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Lookout Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Plus Savings	-	1.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Savings	-	0.25%
Min Deposit $25 Details There is a $1.00 membership fee and a minimum deposit of $25.00, your share of ownership in the Credit Union. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Lookout Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus New Money Promo	-	3.00%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Money Market Plus Savings	-	1.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Lookout Federal Credit Union Checking Rates

Product	Rate	APY	View More
Rewards Plus Checking	-	2.00%
Min Balance $0 Details Qualifications Required: 3 monthly qualifications; Account balances over $20,000 will be paid 0.15% APY on the balance over $20,000. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

Lookout Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	6.74%	60 month
Details As Low As; .25% discount for top tier credit scores. Certain restrictions apply and rates may change. The "as low as" APR includes the 0.25% discount for those members that meet the Rewards Checking monthly qualification cycle parameters and have auto-pay set up from their Rewards Checking account. Members must keep the automatic payment active and have a qualifying Rewards Plus Checking to keep the discount. If the automatic payment is discontinued, or if the Rewards Plus Checking is considered "non-qualifying" for more than 60 days, the loan discount will be removed, and the payment may increase to reflect the change in interest rate. Lookout Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate. For more information on Vehicle Loans please call (208) 235-7100. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Auto Loan	-	-	6.99%	72 month
Details Rates quoted are for top tier FICO scores. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%
Auto Loan	-	-	7.74%	84 months
Details No Untitled Vehicles. New vehicle rates apply only to vehicles titled for the first time and rates are available to members on approved credit. Rates quoted are for top tier FICO scores. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.82%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lookout 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 Lookout 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 Lookout Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lookout Federal Credit Union

Website https://www.lookoutcu.com

Address 275 S 5th Ave, Pocatello, ID 83201

Phone 208-235-7100

Fax 208-233-1729

President Renee Spurgeon

CEO Doug Chambers

Full-Time Employees 77

Part-Time Employees 1

Branch Locations 6

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.82%

Return on Assets (ROA)

0.3450%

Return on Equity (ROE)

4.7120%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

289,233,447

Total Amount of Shares and Deposits

266,777,461

Total Shares and Deposits < 1 Year

259,496,726

Total Shares and Deposits 1 3 Years

6,665,548

Total Shares and Deposits > 3 Years

615,187

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

17,182,262

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

17,182,262

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

249,595,199

Total Interest Expense (Sum of items 6 8)

3,425,164

Share Certificates

2,213

Number of Accounts for Share Drafts

15,782

IRA KEOGH Accounts

380

Number of Accounts for Regular Shares

30,765

Non Member Deposits

Money Market Shares

238

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)

16,584,647

Total Liabilities

269,187,334

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Lookout Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Lookout Federal Credit Union

How many branches does Lookout Federal Credit Union operate?

Lookout 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 Lookout Federal Credit Union?

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

Does Lookout Federal Credit Union offer online and mobile banking?

Most modern institutions like Lookout 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.lookoutcu.com.