What are the current interest rates at Lower Columbia Longshoremen Federal Credit Union?

Current rates for Lower Columbia Longshoremen Federal Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 3.04%, 24-Month CD: 2.89%, MMA: 0.25%

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Lower Columbia Longshoremen Federal Credit Union

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Lower Columbia Longshoremen Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lower Columbia Longshoremen 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: September 20, 2026

Lower Columbia Longshoremen Federal Credit Union's 1 year CD rates are at 3.56%, 6 month CD rates are at 3.30%, 18 month CD rates are at 3.04%, 2 years CD rates are at 2.89%. Lower Columbia Longshoremen Federal Credit Union's money market rates are at 0.25%. Lower Columbia Longshoremen Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Lower Columbia Longshoremen Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.87%. Rates last updated and verified on 09/20/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.87%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Lower Columbia Longshoremen Federal Credit Union
Lower Columbia Longshoremen FCU

629 14th Ave
Longview, WA 98632-1603

https://www.lclfcu.org

Lower Columbia Longshoremen Federal Credit Union CD Rates

Product	Rate	APY	Term
1 year Certificate	3.50%	3.56%	1 year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%
6 month Certificate	3.25%	3.30%	6 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%
18 month Certificate	3.00%	3.04%	18 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%
2 years Certificate	2.85%	2.89%	2 years
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%

Lower Columbia Longshoremen Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.25%	0.25%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%

Lower Columbia Longshoremen Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Classic VISA	9.90%	9.90%
Details Trade in your high rate card today. This card offers offer a low 9.9% fixed rate. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%

Lower Columbia Longshoremen Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
ILWU Dues	0.15%	-	0.15%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%
IRA Shares	0.15%	-	0.15%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%
Regular Share	0.15%	-	0.15%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%
Sub Shares	0.15%	-	0.15%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%
Vacation Shares	0.15%	-	0.15%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.87%

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.
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Financial Health History

Lower Columbia Longshoremen Federal Credit Union’s Texas Ratio stayed near 5.63% in Q2 2023 to 5.87% in Q1 2026, so its financial health has held steady at a healthy level 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
March 31, 2026	$96M	5.87%	5.0	A+
December 31, 2025	$94M	0.41%	5.0	A+
September 30, 2025	$94M	3.50%	5.0	A+
June 30, 2025	$93M	1.68%	5.0	A+
March 31, 2025	$94M	1.72%	5.0	A+
December 31, 2024	$92M	1.08%	5.0	A+
September 30, 2024	$91M	2.52%	5.0	A+
June 30, 2024	$92M	1.88%	5.0	A+
March 31, 2024	$94M	1.33%	5.0	A+
December 31, 2023	$92M	5.95%	5.0	A+
September 30, 2023	$92M	5.94%	5.0	A+
June 30, 2023	$95M	5.63%	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 Lower Columbia Longshoremen 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 Lower Columbia Longshoremen 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 Lower Columbia Longshoremen Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lower Columbia Longshoremen Federal Credit Union

Website https://www.lclfcu.org

Address 629 14th Ave, Longview, WA 98632-1603

Phone 360-423-2770

Fax 360-577-8120

President Mike Wilcox

CEO Robin Carns

Full-Time Employees 12

Part-Time Employees 7

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

5.87%

Return on Assets (ROA)

0.1584%

Return on Equity (ROE)

1.3054%

Non-Performing Loans Ratio (NPL)

1.36%

Total Assets

96,087,029

Total Amount of Shares and Deposits

84,290,812

Total Shares and Deposits < 1 Year

82,592,502

Total Shares and Deposits 1 3 Years

1,698,310

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

4,980,130

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

4,980,130

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

79,310,682

Total Interest Expense (Sum of items 6 8)

166,181

Share Certificates

524

Number of Accounts for Share Drafts

2,140

IRA KEOGH Accounts

139

Number of Accounts for Regular Shares

5,491

Money Market Shares

252

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)

11,629,881

Total Liabilities

84,427,558

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Lower Columbia Longshoremen 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Lower Columbia Longshoremen Federal Credit Union

How many branches does Lower Columbia Longshoremen Federal Credit Union operate?

Lower Columbia Longshoremen 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 Lower Columbia Longshoremen Federal Credit Union?

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

Does Lower Columbia Longshoremen Federal Credit Union offer online and mobile banking?

Most modern institutions like Lower Columbia Longshoremen 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.lclfcu.org.