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Luso Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 9, 2026
Luso Federal Credit Union's top rates as of October 9, 2026 are 3.55% APY on its 15-Month Relationship Special CD, 0.05% APY on savings, 0.50% APY on checking, 5.25% on its 20-Year Amortization Conforming Adjustable Rate Mortgage / Condo, personal loans from 13.00% APR, and credit cards from 12.50% APR, according to rates verified by MonitorBankRates. Other Luso Federal Credit Union CD rates include 23-Month Relationship Special at 3.25%, 60 Month CD at 0.50%, and 48 Month CD at 0.40%. Other Luso Federal Credit Union mortgage rates include First-Time Home Buyer (FTHB) Mortgage Products - Conforming Owner-Occupied at 5.38%, First-Time Home Buyer (FTHB) Mortgage Products - Conforming Owner-Occupied at 6.62%, and TRIM: The Rate Improver Mortgage at 6.62%. MonitorBankRates evaluates the financial stability of Luso Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.60%. Rates last updated and verified on 10/09/2026.
Luso 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 Luso Federal Credit Union? Share your experience about Luso Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Luso Federal Credit Union.
Luso Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Luso Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
7.60%
ExcellentHigher than avg
Luso Federal Credit Union Texas Ratio
Luso Federal Credit Union's Texas Ratio is 7.60%, which is considered excellent and is higher than the national average of 6.13%.
Luso Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
6.71% to 7.60% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Luso Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
15-Month Relationship Special
3.48%
3.55%
15-Month
Min Balance$500
DetailsDirect Deposit or a 10-Year+ Membership
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
Sep 24, 20263.55%▲ from 3.30%
Sep 14, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
23-Month Relationship Special
3.19%
3.25%
23-Month
Min Balance$500
DetailsDirect Deposit or a 10-Year+ Membership
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
Sep 24, 20263.25%▲ from 3.00%
Sep 14, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
60 Month Certificate
0.50%
0.50%
60 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
48 Month Certificate
0.40%
0.40%
48 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
36 Month Certificate
0.35%
0.35%
36 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30 Month Certificate
0.30%
0.30%
30 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
24 Month Certificate
0.25%
0.25%
24 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
18 Month Certificate
0.20%
0.20%
18 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
20 Month Certificate
0.20%
0.20%
20 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
12 Month Certificate
0.15%
0.15%
12 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
6 Month Certificate
0.10%
0.10%
6 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
9 Month Certificate
0.10%
0.10%
9 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
3 to 5 month
0.05%
0.05%
3 to 5 Months
Min Balance$500
DetailsN/A
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Savings Rates
Product
Rate
APY
View More
Savings Is Fun Statement Share Account
0.05%
0.05%
Min Deposit$5
Min Balance$5
DetailsUnlimited
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Checking Rates
Product
Rate
APY
View More
Rewards Share Draft Checking
0.50%
0.50%
Min Deposit$50
Details0.50% on the first $25,000 0.10% over $25,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Rewards Share Draft Checking
0.10%
0.10%
Min Deposit$50
Details0.10% over $25,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
First-Time Home Buyer (FTHB) Mortgage Products - Conforming Owner-Occupied
5.375%
0 Points
6.529%
7 years
DetailsTerm: 7/1 Adjustable CAP 2/4 Index 1 YR Treasury + 2.75% Margin; Rate: Index 1 YR Treasury + 2.75% Margin
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.53% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
First-Time Home Buyer (FTHB) Mortgage Products - Conforming Owner-Occupied
6.625%
0 Points
6.722%
Fixed 30 Years
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.72% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
TRIM: The Rate Improver Mortgage
6.625%
0 Points
6.722%
30-Year Fixed Rate
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.72% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
First-Time Home Buyer (FTHB) Mortgage Products - Jumbo Non-Conforming Owner-Occupied
5.875%
0 Points
6.951%
7 years
DetailsTerm: 7/1 Adjustable CAP 2/4 Index 1 YR Treasury + 3.00% Margin (Jumbo); Rate: Index 1 YR Treasury + 3.00% Margin (Jumbo)
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.89% → 7.25% ▲ 0.36 pts · high 7.25% / low 6.89%
Sep 24, 20267.25%▲ from 6.89%
Sep 14, 20266.89%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
First-Time Home Buyer (FTHB) Mortgage Products - Jumbo Non-Conforming Owner-Occupied
7.375%
0 Points
7.393%
Fixed 30 Years
No additional details.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.39% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
TRIM: The Rate Improver Mortgage
7.375%
0 Points
7.393%
30 years
DetailsTerm: JUMBO 30-Year Fixed Rate With No LLPA's
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.39% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New/Used Auto Loan Special
-
-
5.99%
7 Year
DetailsAPR will vary depending on loan terms. APR: Annual Percentage Rate is based on a $5,000 loan amount, unless otherwise noted. REQUIRED - $75 VSI insurance fee on all vehicle loans; $100 VSI insurance fee on commercial vehicle loans. Business vehicle annual percentage rates available upon request; rate is equal to 2.00% above quoted rates; term may be extended to a maximum of 10 years. GAP Insurance available.
Last Updated10/09/2026
Rate History
1 change since Sep 29, 2026 · 5.24% → 5.99% ▲ 0.75 pts · high 5.99% / low 5.24%
Oct 9, 20265.99%▲ from 5.24%
Sep 29, 20265.24%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Education Loan
-
-
12.252%
7 Years
DetailsRates as low as 12.252% APR; 0.125% with automatic loan payment from a LUSO share draft checking account
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Student Loan
13.00%
-
13.00%
Revolving
DetailsRates as low as *; APR *
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 13.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Student Loan
12.50%
-
13.336%
5 Years
DetailsAs Low As; Minimum Loan: $1,000.00; Maximum Loan: $10,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.34% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Student Loan
12.75%
-
13.38%
7 Years
DetailsAs Low As; Minimum Loan: $1,000.00; Maximum Loan: $20,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.38% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Student Loan
12.25%
-
13.566%
3 Years
DetailsAs Low As; Minimum Loan: $1,000.00; Maximum Loan: $5,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.57% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Credit Card Secured Loan
-
12.50%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Visa Smart Start Classic Credit Card
-
12.50%
DetailsCash Advance: 15.00% APR
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Visa Platinum Credit Card
-
15.00%
DetailsMinimum Credit: $10,000; Maximum Credit: $20,000; Balance Transfer: 5.00% of transfer amount or $10 (whichever is greater)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Visa Classic Credit Card
-
16.50%
DetailsBalance Transfer: 5.00% of transfer amount or $10 (whichever is greater)
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Visa Platinum Credit Card
-
17.50%
DetailsMinimum Credit: $10,000; Maximum Credit: $20,000; Cash Advance
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 15.00% → 17.50% ▲ 2.50 pts · high 17.50% / low 15.00%
Oct 9, 202617.50%▲ from 15.00%
Sep 14, 202615.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Visa Classic Credit Card
-
18.00%
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 16.50% → 18.00% ▲ 1.50 pts · high 18.00% / low 16.50%
Oct 9, 202618.00%▲ from 16.50%
Sep 14, 202616.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Back to School Personal Line of Credit
13.00%
Revolving line of cr
DetailsTerm: Revolving line of credit; Rates as low as 13.000% APR; n/a
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Luso Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.375%
0
7.145%
5/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.15% ▲ 0.40 pts · high 7.15% / low 6.75%
Sep 24, 20267.15%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.625%
0
7.159%
7/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.76% → 7.16% ▲ 0.40 pts · high 7.16% / low 6.76%
Sep 24, 20267.16%▲ from 6.76%
Sep 14, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.75%
Special Offer 0 Points
7.166%
10/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.78% → 7.17% ▲ 0.39 pts · high 7.17% / low 6.78%
Sep 24, 20267.17%▲ from 6.78%
Sep 14, 20266.78%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.25%
1
7.24%
5/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.84% → 7.24% ▲ 0.40 pts · high 7.24% / low 6.84%
Sep 24, 20267.24%▲ from 6.84%
Sep 14, 20266.84%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.50%
1
7.254%
7/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.85% → 7.25% ▲ 0.40 pts · high 7.25% / low 6.85%
Sep 24, 20267.25%▲ from 6.85%
Sep 14, 20266.85%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.625%
Special Offer 1 Points
7.261%
10/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.78% → 7.26% ▲ 0.48 pts · high 7.26% / low 6.78%
Sep 24, 20267.26%▲ from 6.78%
Sep 14, 20266.78%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.125%
2
7.336%
5/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.93% → 7.34% ▲ 0.40 pts · high 7.34% / low 6.93%
Sep 24, 20267.34%▲ from 6.93%
Sep 14, 20266.93%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.375%
2
7.351%
7/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.95% → 7.35% ▲ 0.40 pts · high 7.35% / low 6.95%
Sep 24, 20267.35%▲ from 6.95%
Sep 14, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Adjustable Rate Mortgage / New Construction / Condo
5.50%
Special Offer 2 Points
7.358%
10/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.78% → 7.36% ▲ 0.58 pts · high 7.36% / low 6.78%
Sep 24, 20267.36%▲ from 6.78%
Sep 14, 20266.78%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
5.875%
0
7.328%
5/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.95% → 7.33% ▲ 0.38 pts · high 7.33% / low 6.95%
Sep 24, 20267.33%▲ from 6.95%
Sep 14, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
6.125%
0
7.341%
7/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.95% → 7.34% ▲ 0.40 pts · high 7.34% / low 6.95%
Sep 24, 20267.34%▲ from 6.95%
Sep 14, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
6.25%
Special Offer 0 Points
7.348%
10/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.96% → 7.35% ▲ 0.38 pts · high 7.35% / low 6.96%
Sep 24, 20267.35%▲ from 6.96%
Sep 14, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
5.75%
1
7.423%
5/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.03% → 7.42% ▲ 0.40 pts · high 7.42% / low 7.03%
Sep 24, 20267.42%▲ from 7.03%
Sep 14, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
6.00%
1
7.437%
7/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.04% → 7.44% ▲ 0.40 pts · high 7.44% / low 7.04%
Sep 24, 20267.44%▲ from 7.04%
Sep 14, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
6.125%
Special Offer 1 Points
7.444%
10/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.96% → 7.44% ▲ 0.48 pts · high 7.44% / low 6.96%
Sep 24, 20267.44%▲ from 6.96%
Sep 14, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
5.625%
2
7.52%
5/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.12% → 7.52% ▲ 0.40 pts · high 7.52% / low 7.12%
Sep 24, 20267.52%▲ from 7.12%
Sep 14, 20267.12%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
5.875%
2
7.534%
7/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.13% → 7.53% ▲ 0.41 pts · high 7.53% / low 7.13%
Sep 24, 20267.53%▲ from 7.13%
Sep 14, 20267.13%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
30-Year Amortization Jumbo Adjustable Rate Mortgage / New Construction / Condo
6.00%
Special Offer 2 Points
7.541%
10/1
DetailsIndex: 1 YR Treasury; Cap: 2/6; Margin: + 3.000%
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.96% → 7.54% ▲ 0.58 pts · high 7.54% / low 6.96%
Sep 24, 20267.54%▲ from 6.96%
Sep 14, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Buildable Land Requires 20% Down Payment Loan
7.50%
0 Points
9.437%
3 years
DetailsTerm: 3/1 MAX 15-YR Amortization; Index: 1 YR Treasury; CAP: 2/6; Column: + 6.00%
Last Updated10/09/2026
Rate History
1 change since Oct 5, 2026 · 8.72% → 9.44% ▲ 0.72 pts · high 9.44% / low 8.72%
Oct 9, 20269.44%▲ from 8.72%
Oct 5, 20268.72%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.25%
0
6.471%
10 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.10% → 6.47% ▲ 0.38 pts · high 6.47% / low 6.10%
Oct 9, 20266.47%▲ from 6.35%
Sep 24, 20266.35%▲ from 6.10%
Sep 14, 20266.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.50%
0
6.658%
15 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.28% → 6.66% ▲ 0.38 pts · high 6.66% / low 6.28%
Oct 9, 20266.66%▲ from 6.53%
Sep 24, 20266.53%▲ from 6.28%
Sep 14, 20266.28%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.75%
0
6.878%
20 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50%
Oct 9, 20266.88%▲ from 6.75%
Sep 24, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
7.00%
0
7.111%
25 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.61% → 7.11% ▲ 0.50 pts · high 7.11% / low 6.61%
Oct 9, 20267.11%▲ from 6.86%
Sep 24, 20266.86%▲ from 6.61%
Sep 14, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
7.00%
0
7.099%
30 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.60% → 7.10% ▲ 0.50 pts · high 7.10% / low 6.60%
Oct 9, 20267.10%▲ from 6.85%
Sep 24, 20266.85%▲ from 6.60%
Sep 14, 20266.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.125%
1
6.566%
10 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.19% → 6.57% ▲ 0.38 pts · high 6.57% / low 6.19%
Oct 9, 20266.57%▲ from 6.44%
Sep 24, 20266.44%▲ from 6.19%
Sep 14, 20266.19%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.375%
1
6.689%
15 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.31% → 6.69% ▲ 0.38 pts · high 6.69% / low 6.31%
Oct 9, 20266.69%▲ from 6.56%
Sep 24, 20266.56%▲ from 6.31%
Sep 14, 20266.31%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.625%
1
6.878%
20 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50%
Oct 9, 20266.88%▲ from 6.75%
Sep 24, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.875%
1
7.094%
25 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59%
Oct 9, 20267.09%▲ from 6.84%
Sep 24, 20266.84%▲ from 6.59%
Sep 14, 20266.59%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.875%
1
7.071%
30 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.57% → 7.07% ▲ 0.51 pts · high 7.07% / low 6.57%
Oct 9, 20267.07%▲ from 6.82%
Sep 24, 20266.82%▲ from 6.57%
Sep 14, 20266.57%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.00%
2
6.658%
10 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.28% → 6.66% ▲ 0.38 pts · high 6.66% / low 6.28%
Oct 9, 20266.66%▲ from 6.53%
Sep 24, 20266.53%▲ from 6.28%
Sep 14, 20266.28%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.25%
2
6.718%
15 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.34% → 6.72% ▲ 0.38 pts · high 6.72% / low 6.34%
Oct 9, 20266.72%▲ from 6.59%
Sep 24, 20266.59%▲ from 6.34%
Sep 14, 20266.34%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.50%
2
6.877%
20 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50%
Oct 9, 20266.88%▲ from 6.75%
Sep 24, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.75%
2
7.076%
25 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.57% → 7.08% ▲ 0.51 pts · high 7.08% / low 6.57%
Oct 9, 20267.08%▲ from 6.82%
Sep 24, 20266.82%▲ from 6.57%
Sep 14, 20266.57%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Conforming Fixed Rate Mortgage / New Construction / Condo
6.75%
2
7.041%
30 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.53% → 7.04% ▲ 0.51 pts · high 7.04% / low 6.53%
Oct 9, 20267.04%▲ from 6.79%
Sep 24, 20266.79%▲ from 6.53%
Sep 14, 20266.53%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
6.75%
0
6.794%
10 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.42% → 6.79% ▲ 0.38 pts · high 6.79% / low 6.42%
Oct 9, 20266.79%▲ from 6.67%
Sep 24, 20266.67%▲ from 6.42%
Sep 14, 20266.42%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.00%
0
7.031%
15 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.66% → 7.03% ▲ 0.38 pts · high 7.03% / low 6.66%
Oct 9, 20267.03%▲ from 6.91%
Sep 24, 20266.91%▲ from 6.66%
Sep 14, 20266.66%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.25%
0
7.276%
20 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.28% / low 6.90%
Oct 9, 20267.28%▲ from 7.15%
Sep 24, 20267.15%▲ from 6.90%
Sep 14, 20266.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.50%
0
7.521%
25 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.02% → 7.52% ▲ 0.50 pts · high 7.52% / low 7.02%
Oct 9, 20267.52%▲ from 7.27%
Sep 24, 20267.27%▲ from 7.02%
Sep 14, 20267.02%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.50%
0
7.52%
30 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.02% → 7.52% ▲ 0.50 pts · high 7.52% / low 7.02%
Oct 9, 20267.52%▲ from 7.27%
Sep 24, 20267.27%▲ from 7.02%
Sep 14, 20267.02%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
6.625%
1
6.892%
10 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.52% → 6.89% ▲ 0.38 pts · high 6.89% / low 6.52%
Oct 9, 20266.89%▲ from 6.77%
Sep 24, 20266.77%▲ from 6.52%
Sep 14, 20266.52%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
6.875%
1
7.066%
15 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.69% → 7.07% ▲ 0.38 pts · high 7.07% / low 6.69%
Oct 9, 20267.07%▲ from 6.94%
Sep 24, 20266.94%▲ from 6.69%
Sep 14, 20266.69%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.125%
1
7.28%
20 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.28% / low 6.90%
Oct 9, 20267.28%▲ from 7.15%
Sep 24, 20267.15%▲ from 6.90%
Sep 14, 20266.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.375%
1
7.508%
25 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.01% → 7.51% ▲ 0.50 pts · high 7.51% / low 7.01%
Oct 9, 20267.51%▲ from 7.26%
Sep 24, 20267.26%▲ from 7.01%
Sep 14, 20267.01%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.375%
1
7.496%
30 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.99% → 7.50% ▲ 0.50 pts · high 7.50% / low 6.99%
Oct 9, 20267.50%▲ from 7.24%
Sep 24, 20267.24%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
6.50%
2
6.987%
10 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.61% → 6.99% ▲ 0.38 pts · high 6.99% / low 6.61%
Oct 9, 20266.99%▲ from 6.86%
Sep 24, 20266.86%▲ from 6.61%
Sep 14, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
6.75%
2
7.098%
15 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.72% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.72%
Oct 9, 20267.10%▲ from 6.97%
Sep 24, 20266.97%▲ from 6.72%
Sep 14, 20266.72%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.00%
2
7.282%
20 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.90% → 7.28% ▲ 0.38 pts · high 7.28% / low 6.90%
Oct 9, 20267.28%▲ from 7.16%
Sep 24, 20267.16%▲ from 6.90%
Sep 14, 20266.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.25%
2
7.493%
25 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Oct 9, 20267.49%▲ from 7.24%
Sep 24, 20267.24%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Jumbo / Non-Conforming Fixed Rate Mortgage Including New Construction / Condo
7.25%
2
7.47%
30 Year
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.96% → 7.47% ▲ 0.51 pts · high 7.47% / low 6.96%
Oct 9, 20267.47%▲ from 7.22%
Sep 24, 20267.22%▲ from 6.96%
Sep 14, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Raw Land Requires 30% Down Payment Loan
8.50%
0 Points
9.697%
3 years
DetailsTerm: 3/1 MAX 10-YR Amortization; Index: 1 YR Treasury; CAP: 2/6; Column: + 6.00%
Last Updated10/09/2026
Rate History
1 change since Oct 5, 2026 · 9.10% → 9.70% ▲ 0.59 pts · high 9.70% / low 9.10%
Oct 9, 20269.70%▲ from 9.10%
Oct 5, 20269.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Advantage Statement Share Account
0.10%
-
0.10%
Min Deposit$50,000
Min Balance$50,000
DetailsUnlimited
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Basic Statement Share Account
0.05%
-
0.05%
Min Deposit$5
Min Balance$100
DetailsUnlimited
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Overview
0.10%
-
0.10%
Min Balance$500
DetailsBalance: $500.00 - $4,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Overview
0.15%
-
0.15%
Min Balance$5,000
DetailsBalance: $5,000.00 - $24,999.99
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Overview
0.20%
-
0.20%
Min Balance$25,000
DetailsBalance: $25,000.00 - Unlimited
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Smart Start Statement Share Account
0.05%
-
0.05%
Min Deposit$5
Min Balance$100
DetailsUnlimited
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.60%
Financial Health History
Luso Federal Credit Union’s Texas Ratio rose from 6.71% in Q3 2023 to 7.60% in Q2 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$245M
7.60%
5.0
A
March 31, 2026
$242M
5.05%
5.0
A+
December 31, 2025
$239M
6.16%
5.0
A
September 30, 2025
$239M
9.35%
5.0
A
June 30, 2025
$241M
11.31%
5.0
A
March 31, 2025
$242M
11.46%
5.0
A
December 31, 2024
$238M
10.78%
5.0
A
September 30, 2024
$245M
9.92%
5.0
A
June 30, 2024
$243M
7.26%
5.0
A
March 31, 2024
$240M
4.22%
5.0
A+
December 31, 2023
$241M
4.30%
5.0
A+
September 30, 2023
$241M
6.71%
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 Luso 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 Luso 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 Luso Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,663,348
Total Uninsured Shares and Deposits > $250K (F+J)
29,663,348
Total Insured Shares and Deposits > $250K (item 17 less item K)
186,678,523
Total Interest Expense (Sum of items 6 8)
2,074,926
Share Certificates
974
Number of Accounts for Share Drafts
3,996
IRA KEOGH Accounts
332
Number of Accounts for Regular Shares
8,893
All other shares
695
Money Market Shares
334
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)
17,282,215
Total Liabilities
217,535,069
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Luso Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Luso Federal Credit Union
Frequently Asked Questions About Luso Federal Credit Union
How many branches does Luso Federal Credit Union operate?
Luso 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 Luso Federal Credit Union?
Yes, to access services at Luso 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, Luso 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, Luso Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Luso Federal Credit Union offer online and mobile banking?
Most modern institutions like Luso 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.lusofederal.com.
Current Luso Federal Credit Union Rates
12-Month CD0.15%
18-Month CD0.20%
24-Month CD0.25%
60-Month CD0.50%
Savings0.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
