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iAdvertiser Disclosure
Advertiser Disclosure
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 Lutheran Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 23, 2026
Lutheran Federal Credit Union's Personal Loan Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Lutheran Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/23/2026. Lutheran 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 Lutheran Federal Credit Union? Share your experience about Lutheran Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lutheran Federal Credit Union. Lutheran Federal Credit Union
Lutheran FCU Headquarters 10733 Sunset Office Dr Ste 406
https://www.lutheranfcu.org Saint Louis, MO 63127 1024 
Lutheran Federal Credit Union Auto Loan Rates
Lutheran Federal Credit Union Credit Card Rates
Lutheran Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Lutheran 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 Lutheran 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 Lutheran Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Lutheran Federal Credit Union
Website
https://www.lutheranfcu.org
Address
10733 Sunset Office Dr Ste 406,
Saint Louis, MO 63127 1024
Phone
314-394-2790
Fax
314-394-2799
President
David Worthington
CEO
Amanda Walker
Full-Time Employees
7
Part-Time Employees
3
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.5410%
Return on Equity (ROE)
5.7440%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
34,410,829
Total Amount of Shares and Deposits
31,087,669
Total Shares and Deposits < 1 Year
31,065,482
Total Shares and Deposits 1 3 Years
22,187
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,720,771
Total Uninsured Shares and Deposits > $250K (F+J)
3,720,771
Total Insured Shares and Deposits > $250K (item 17 less item K)
27,366,898
Total Interest Expense (Sum of items 6 8)
104,815
Share Certificates
37
Number of Accounts for Share Drafts
2,229
Number of Accounts for Regular Shares
3,888
Net Income (unless the amount is already included in Undivided Earnings)
186,177
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,373,482
Total Liabilities
31,169,584
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Lutheran Federal Credit UnionIs Lutheran Federal Credit Union a safe place to deposit money?Yes, Lutheran Federal Credit Union is considered a safe financial institution. 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 Lutheran Federal Credit Union operate?Lutheran 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 Lutheran Federal Credit Union?Yes, to access services at Lutheran 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, Lutheran 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, Lutheran Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Lutheran Federal Credit Union offer online and mobile banking?Most modern institutions like Lutheran 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.lutheranfcu.org. Compare to Other Credit Unions
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