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 Lynchburg Municipal Employees 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.
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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 17, 2026
Lynchburg Municipal Employees Federal Credit Union's Personal Loan Rates are at 5.50%. MonitorBankRates evaluates the financial stability of Lynchburg Municipal Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.34%. Rates were last updated on 04/17/2026. Lynchburg Municipal Employees 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 Lynchburg Municipal Employees Federal Credit Union? Share your experience about Lynchburg Municipal Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lynchburg Municipal Employees Federal Credit Union. Lynchburg Municipal Employees Federal Credit Union
3176 Fort Ave 3176 Fort Ave
https://lmefcu.org Lynchburg, VA 24501 
Lynchburg Municipal Employees Federal Credit Union Home Equity & HELOC
Lynchburg Municipal Employees Federal Credit Union Auto Loan Rates
Lynchburg Municipal Employees Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Lynchburg Municipal Employees 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 Lynchburg Municipal Employees 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 Lynchburg Municipal Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Lynchburg Municipal Employees Federal Credit Union
Website
https://lmefcu.org
Address
3176 Fort Ave,
Lynchburg, VA 24501
Phone
434-845-1013
Fax
434-845-3209
President
Melva Walker
CEO
Steven Perrow
Full-Time Employees
8
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.34%
Return on Assets (ROA)
0.8647%
Return on Equity (ROE)
7.2288%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
30,314,430
Total Amount of Shares and Deposits
26,571,915
Total Shares and Deposits < 1 Year
26,064,603
Total Shares and Deposits 1 3 Years
263,016
Total Shares and Deposits > 3 Years
244,296
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
401,706
Total Uninsured Shares and Deposits > $250K (F+J)
401,706
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,170,209
Total Interest Expense (Sum of items 6 8)
48,501
Share Certificates
117
Number of Accounts for Share Drafts
1,309
IRA KEOGH Accounts
8
Number of Accounts for Regular Shares
4,072
Non Member Deposits
5
Money Market Shares
45
Net Income (unless the amount is already included in Undivided Earnings)
262,130
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,265,403
Total Liabilities
26,688,222
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Lynchburg Municipal Employees Federal Credit UnionIs Lynchburg Municipal Employees Federal Credit Union a safe place to deposit money?Yes, Lynchburg Municipal Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.34005219777795%, 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 Lynchburg Municipal Employees Federal Credit Union operate?Lynchburg Municipal Employees 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 Lynchburg Municipal Employees Federal Credit Union?Yes, to access services at Lynchburg Municipal Employees 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, Lynchburg Municipal Employees 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, Lynchburg Municipal Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Lynchburg Municipal Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Lynchburg Municipal Employees 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://lmefcu.org. Compare to Other Credit Unions
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