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Lowland Credit Union

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Lowland Credit Union Rates & Review March 2026

Q: How many branches does Lowland Credit Union operate?

Lowland 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.

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

Yes, to access services at Lowland 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: Is there a first-time homebuyer program?

Currently, Lowland 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lowland 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: March 29, 2026

You can compare Lowland Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.00%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 3.80%. Savings rates are at 0.15% and money market rates are at 3.09%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to Lowland Credit Union rates. MonitorBankRates evaluates the financial stability of Lowland Credit Union with a 4.7 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.83%. Rates were last updated on 03/29/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

6.83%

Excellent Higher than avg

Lowland Credit Union
Morristown

1216 E Main St
Morristown, TN 37814

https://lowlandcu.org

Current Rate Availability

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

Credit Union Profile & Overview

Credit Union Name Lowland Credit Union

Website https://lowlandcu.org

Address 1216 E Main St, Morristown, TN 37814

Phone 423-581-8345

Fax 423-581-9229

President Tommy Musser

CEO Mark Creech

Full-Time Employees 32

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

4.7 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

6.83%

Return on Assets (ROA)

-0.1820%

Return on Equity (ROE)

-2.7260%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

143,282,063

Total Amount of Shares and Deposits

135,842,221

Total Shares and Deposits < 1 Year

105,883,625

Total Shares and Deposits 1 3 Years

29,895,118

Total Shares and Deposits > 3 Years

63,478

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

7,908,119

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

7,908,119

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

127,934,102

Total Interest Expense (Sum of items 6 8)

483,407

Share Certificates

1,231

Number of Accounts for Share Drafts

6,465

IRA KEOGH Accounts

401

Number of Accounts for Regular Shares

10,893

All other shares

260

Money Market Shares

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

-260,710

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

28,973,378

Total Liabilities

136,548,130

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

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

Average Rating

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Total Reviews

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Frequently Asked Questions About Lowland Credit Union

Is Lowland Credit Union a safe place to deposit money?

Yes, Lowland Credit Union is considered a safe financial institution. With a Texas Ratio of 6.8269219006157%, the institution's financial health is rated as excellent. 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 Lowland Credit Union operate?

Lowland 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 Lowland Credit Union?

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

Does Lowland Credit Union offer online and mobile banking?

Most modern institutions like Lowland 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://lowlandcu.org.