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Labor Management 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
Labor Management Federal Credit Union's top rates as of October 9, 2026 are 0.10% APY on savings, 0.10% APY on checking, personal loans from 7.00% APR, and credit cards from 6.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Labor Management Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.91%. Rates last updated and verified on 10/09/2026.
Labor Management 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 Labor Management Federal Credit Union? Share your experience about Labor Management Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Labor Management Federal Credit Union.
Labor Management 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
Labor Management 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
?
7.91%
ExcellentHigher than avg
Labor Management Federal Credit Union Texas Ratio
Labor Management Federal Credit Union's Texas Ratio is 7.91%, which is considered excellent and is higher than the national average of 6.13%.
Labor Management 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.
Labor Management Federal Credit Union Health Trend
8.58% to 7.91% 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.
Labor Management Federal Credit Union Savings Rates
Product
Rate
APY
View More
Christmas Club
0.10%
0.10%
Min Balance$5
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: 7.91%
Savings
0.10%
0.10%
No additional details.
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: 7.91%
Vacation Club
0.10%
0.10%
Min Balance$100
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: 7.91%
Labor Management Federal Credit Union Checking Rates
Product
Rate
APY
View More
Checking
0.10%
0.10%
Min Balance$5
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: 7.91%
Labor Management Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans - 2024-2027
-
-
6.00%
60 Months
DetailsCredit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
6.50%
72 Months
DetailsCredit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023
-
-
7.00%
12-72 Months
DetailsCredit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
7.00%
84 Months
DetailsCredit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
7.25%
60 Months
DetailsCredit Score: 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021
-
-
7.50%
12-60 Months
DetailsCredit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
7.50%
72 Months
DetailsCredit Score: 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023
-
-
8.00%
12-72 Months
DetailsCredit Score: 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
8.00%
84 Months
DetailsCredit Score: 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
8.00%
60 Months
DetailsCredit Score: 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021
-
-
8.50%
12-60 Months
DetailsCredit Score: 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021
-
-
9.00%
12-60 Months
DetailsCredit Score: 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
9.00%
72 Months
DetailsCredit Score: 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older
-
-
9.50%
12-36 Months
DetailsCredit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023
-
-
10.00%
12-72 Months
DetailsCredit Score: 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
10.00%
84 Months
DetailsCredit Score: 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older
-
-
10.50%
12-36 Months
DetailsCredit Score: 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older
-
-
11.50%
12-36 Months
DetailsCredit Score: 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
11.50%
60 Months
DetailsCredit Score: 599-555; LTV: 90%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
12.00%
72 Months
DetailsCredit Score: 599-555; LTV: 90%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023
-
-
12.25%
12-72 Months
DetailsCredit Score: 599-555; LTV: 90%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 12.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older
-
-
13.00%
12-36 Months
DetailsCredit Score: 599-555; LTV: 90%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021
-
-
13.00%
12-60 Months
DetailsCredit Score: 599-555; LTV: 90%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
13.00%
84 Months
DetailsCredit Score: 599-555; LTV: 90%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older
-
-
15.00%
12-36 Months
DetailsCredit Score: 554 and lower; LTV: 85%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
17.00%
60 Months
DetailsCredit Score: 554 and lower; LTV: 85%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023
-
-
17.25%
12-72 Months
DetailsCredit Score: 554 and lower; LTV: 85%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.25% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
17.50%
72 Months
DetailsCredit Score: 554 and lower; LTV: 85%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021
-
-
18.00%
12-60 Months
DetailsCredit Score: 554 and lower; LTV: 85%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 18.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027
-
-
18.00%
84 Months
DetailsCredit Score: 554 and lower; LTV: 85%
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 18.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Labor Management Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Army/Military Credit Card
-
6.00%
No additional details.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Credit Card
-
7.99%
DetailsLimits: $9,500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Credit Card
-
9.99%
DetailsLimits: $5,000
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 9.99% ▲ 2.00 pts · high 9.99% / low 7.99%
Oct 5, 20269.99%▲ from 7.99%
Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Credit Cards
-
17.99%
DetailsD & E with Management Approval
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 17.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Labor Management Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loans - 12 Months
7.00%
12 Months
DetailsLoan Amount: $9,500; Credit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 12 Months
7.50%
12 Months
DetailsLoan Amount: $5,000; Credit Score: 640-679
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00%
Sep 17, 20267.50%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 24 Months
8.00%
24 Months
DetailsLoan Amount: $9,500; Credit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 12 Months
8.50%
12 Months
DetailsLoan Amount: $3,500; Credit Score: 600-639
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 8.50% ▲ 1.50 pts · high 8.50% / low 7.00%
Sep 17, 20268.50%▲ from 7.00%
Sep 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 24 Months
8.50%
24 Months
DetailsLoan Amount: $5,000; Credit Score: 640-679
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.00% → 8.50% ▲ 0.50 pts · high 8.50% / low 8.00%
Sep 17, 20268.50%▲ from 8.00%
Sep 14, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 36 Months
9.00%
36 Months
DetailsLoan Amount: $9,500; Credit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 24 Months
9.50%
24 Months
DetailsLoan Amount: $3,500; Credit Score: 600-639
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.00% → 9.50% ▲ 1.50 pts · high 9.50% / low 8.00%
Sep 17, 20269.50%▲ from 8.00%
Sep 14, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 36 Months
9.50%
36 Months
DetailsLoan Amount: $5,000; Credit Score: 640-679
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.00% → 9.50% ▲ 0.50 pts · high 9.50% / low 9.00%
Sep 17, 20269.50%▲ from 9.00%
Sep 14, 20269.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 48 Months
10.00%
48 Months
DetailsLoan Amount: $9,500; Credit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Unsecured Loan
10.00%
76 months
DetailsRates as low as 10.00% APR*; Terms up to 76 months (Payments as low as $250/mo*); No collateral required!
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 36 Months
10.50%
36 Months
DetailsLoan Amount: $3,500; Credit Score: 600-639
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.00% → 10.50% ▲ 1.50 pts · high 10.50% / low 9.00%
Sep 17, 202610.50%▲ from 9.00%
Sep 14, 20269.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 48 Months
10.50%
48 Months
DetailsLoan Amount: $5,000; Credit Score: 640-679
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.00% → 10.50% ▲ 0.50 pts · high 10.50% / low 10.00%
Sep 17, 202610.50%▲ from 10.00%
Sep 14, 202610.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 48 Months
11.50%
48 Months
DetailsLoan Amount: $3,500; Credit Score: 600-639
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.00% → 11.50% ▲ 1.50 pts · high 11.50% / low 10.00%
Sep 17, 202611.50%▲ from 10.00%
Sep 14, 202610.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - Max Term 60 Months
11.50%
60 Months
DetailsLoan Amount: $9,500; Credit Score: 850-680
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - Max Term 60 Months
12.50%
60 Months
DetailsLoan Amount: $5,000; Credit Score: 640-679
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 12.50% ▲ 1.00 pts · high 12.50% / low 11.50%
Sep 17, 202612.50%▲ from 11.50%
Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - Max Term 60 Months
13.50%
60 Months
DetailsLoan Amount: $3,500; Credit Score: 600-639
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 13.50% ▲ 2.00 pts · high 13.50% / low 11.50%
Sep 17, 202613.50%▲ from 11.50%
Sep 14, 202611.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Labor Management Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
2019 & Older 60 Months Loan
-
-
10.50%
60 Months
Details$20,000 and above; Credit Grade: A 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2019 & Older 60 Months Loan
-
-
11.50%
60 Months
Details$20,000 and above; Credit Grade: B 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2019 & Older 60 Months Loan
-
-
13.50%
60 Months
Details$20,000 and above; Credit Grade: C 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2019 & Older 60 Months Loan
-
-
15.50%
60 Months
Details$20,000 and above; Credit Grade: D 599-555
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2019 & Older 60 Months Loan
-
-
17.50%
60 Months
Details$20,000 and above; Credit Grade: E 554 >
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2020-2023 72 Months Loan
-
-
8.50%
72 Months
Details$20,000 and above; Credit Grade: A 850-680
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2020-2023 72 Months Loan
-
-
9.50%
72 Months
Details$20,000 and above; Credit Grade: B 679-640
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2020-2023 72 Months Loan
-
-
10.50%
72 Months
Details$20,000 and above; Credit Grade: C 639-600
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2020-2023 72 Months Loan
-
-
13.50%
72 Months
Details$20,000 and above; Credit Grade: D 599-555
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
2020-2023 72 Months Loan
-
-
16.50%
72 Months
Details$20,000 and above; Credit Grade: E 554 >
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.50% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
IRA Account
0.30%
-
0.30%
Min Balance$100
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Financial Health History
Labor Management Federal Credit Union’s Texas Ratio fell from 8.58% in Q3 2023 to 7.91% 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
$28M
7.91%
5.0
A
March 31, 2026
$28M
2.21%
5.0
A+
December 31, 2025
$28M
10.05%
5.0
A
September 30, 2025
$28M
5.53%
5.0
A+
June 30, 2025
$29M
7.23%
5.0
A
March 31, 2025
$32M
5.65%
5.0
A+
December 31, 2024
$31M
2.46%
5.0
A+
September 30, 2024
$32M
5.02%
5.0
A+
June 30, 2024
$33M
12.25%
5.0
A
March 31, 2024
$35M
3.41%
5.0
A+
December 31, 2023
$34M
7.56%
5.0
A
September 30, 2023
$34M
8.58%
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 Labor Management 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 Labor Management 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 Labor Management Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameLabor Management Federal Credit Union
Address
8225 US HIGHWAY 60 W,
LEWISPORT, KY 42351-7082
Phone270-295-3422
Fax270-295-3366
PresidentJoanne Mason
CEOAshley Walls
Full-Time Employees7
Part-Time Employees0
Branch Locations1
ATM Locations1
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.91%
Return on Assets (ROA)
0.3524%
Return on Equity (ROE)
2.3879%
Non-Performing Loans Ratio (NPL)
1.88%
Total Assets
28,406,033
Total Amount of Shares and Deposits
24,181,681
Total Shares and Deposits < 1 Year
23,491,979
Total Shares and Deposits 1 3 Years
689,702
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
583,774
Total Uninsured Shares and Deposits > $250K (F+J)
583,774
Total Insured Shares and Deposits > $250K (item 17 less item K)
23,597,907
Total Interest Expense (Sum of items 6 8)
126,912
Share Certificates
150
Number of Accounts for Share Drafts
1,257
IRA KEOGH Accounts
80
Number of Accounts for Regular Shares
3,053
All other shares
227
Non Member Deposits
1
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)
3,953,402
Total Liabilities
24,213,915
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Labor Management 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
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Frequently Asked Questions About Labor Management Federal Credit Union
How many branches does Labor Management Federal Credit Union operate?
Labor Management 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 Labor Management Federal Credit Union?
Yes, to access services at Labor Management 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, Labor Management 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, Labor Management Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Labor Management Federal Credit Union offer online and mobile banking?
Most modern institutions like Labor Management 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.lmfcu.net.
Current Labor Management Federal Credit Union Rates
Savings0.10%
Retrieved from our database of financial products. Rates subject to change.