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Labor Management Federal Credit Union Rates & Review October 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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.91%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Labor Management Federal Credit Union
LABOR MANAGEMENT FCU
8225 US HIGHWAY 60 W
LEWISPORT, KY 42351-7082
https://www.lmfcu.net
Member NCUA
Customer Reviews
Be the first to review
Write a Review
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 Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Savings 0.10% 0.10%
No additional details.
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Vacation Club 0.10% 0.10%
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
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
Details Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 9, 2026: 6.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 6.50% 72 Months
Details Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 9, 2026: 6.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023 - - 7.00% 12-72 Months
Details Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 9, 2026: 7.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 7.00% 84 Months
Details Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 9, 2026: 7.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 7.25% 60 Months
Details Credit Score: 679-640
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 9, 2026: 7.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021 - - 7.50% 12-60 Months
Details Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 9, 2026: 7.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 7.50% 72 Months
Details Credit Score: 679-640
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 9, 2026: 7.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023 - - 8.00% 12-72 Months
Details Credit Score: 679-640
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 9, 2026: 8.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 8.00% 84 Months
Details Credit Score: 679-640
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 9, 2026: 8.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 8.00% 60 Months
Details Credit Score: 639-600
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 9, 2026: 8.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021 - - 8.50% 12-60 Months
Details Credit Score: 679-640
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 9, 2026: 8.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021 - - 9.00% 12-60 Months
Details Credit Score: 639-600
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
8.50%9.00%9.50%Oct 9, 2026: 9.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 9.00% 72 Months
Details Credit Score: 639-600
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.00% APR
8.50%9.00%9.50%Oct 9, 2026: 9.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older - - 9.50% 12-36 Months
Details Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 9, 2026: 9.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023 - - 10.00% 12-72 Months
Details Credit Score: 639-600
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 9, 2026: 10.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 10.00% 84 Months
Details Credit Score: 639-600
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 9, 2026: 10.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older - - 10.50% 12-36 Months
Details Credit Score: 679-640
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 9, 2026: 10.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older - - 11.50% 12-36 Months
Details Credit Score: 639-600
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.50% APR
11.00%11.50%12.00%Oct 9, 2026: 11.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 11.50% 60 Months
Details Credit Score: 599-555; LTV: 90%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.50% APR
11.00%11.50%12.00%Oct 9, 2026: 11.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 12.00% 72 Months
Details Credit Score: 599-555; LTV: 90%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 12.00% APR
11.50%12.00%12.50%Oct 9, 2026: 12.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023 - - 12.25% 12-72 Months
Details Credit Score: 599-555; LTV: 90%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 9, 2026: 12.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older - - 13.00% 12-36 Months
Details Credit Score: 599-555; LTV: 90%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
12.50%13.00%13.50%Oct 9, 2026: 13.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021 - - 13.00% 12-60 Months
Details Credit Score: 599-555; LTV: 90%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
12.50%13.00%13.50%Oct 9, 2026: 13.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 13.00% 84 Months
Details Credit Score: 599-555; LTV: 90%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.00% APR
12.50%13.00%13.50%Oct 9, 2026: 13.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2019-Older - - 15.00% 12-36 Months
Details Credit Score: 554 and lower; LTV: 85%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 15.00% APR
14.50%15.00%15.50%Oct 9, 2026: 15.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 17.00% 60 Months
Details Credit Score: 554 and lower; LTV: 85%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 17.00% APR
16.50%17.00%17.50%Oct 9, 2026: 17.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2023 - - 17.25% 12-72 Months
Details Credit Score: 554 and lower; LTV: 85%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 17.25% APR
16.75%17.25%17.75%Oct 9, 2026: 17.25% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 17.50% 72 Months
Details Credit Score: 554 and lower; LTV: 85%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 17.50% APR
17.00%17.50%18.00%Oct 9, 2026: 17.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2020-2021 - - 18.00% 12-60 Months
Details Credit Score: 554 and lower; LTV: 85%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 18.00% APR
17.50%18.00%18.50%Oct 9, 2026: 18.00% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Auto Loans - 2024-2027 - - 18.00% 84 Months
Details Credit Score: 554 and lower; LTV: 85%
Last Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 18.00% APR
17.50%18.00%18.50%Oct 9, 2026: 18.00% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Credit Card - 7.99%
Details Limits: $9,500
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 8 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Credit Card - 9.99%
Details Limits: $5,000
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 9.99% ▲ 2.00 pts · high 9.99% / low 7.99%
5.99%8.99%11.99%Sep 14, 2026: 7.99% APROct 5, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
  • 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%
Details D & E with Management Approval
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 17.99% APR · checked 4 times
17.49%17.99%18.49%Sep 18, 2026: 17.99% APRSep 18, 2026Oct 13, 2026
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
Details Loan Amount: $9,500; Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 4 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 12 Months 7.50% 12 Months
Details Loan Amount: $5,000; Credit Score: 640-679
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00%
6.50%7.25%8.00%Sep 14, 2026: 7.00% APRSep 17, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $9,500; Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 12 Months 8.50% 12 Months
Details Loan Amount: $3,500; Credit Score: 600-639
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.00% → 8.50% ▲ 1.50 pts · high 8.50% / low 7.00%
5.50%7.75%10.00%Sep 14, 2026: 7.00% APRSep 17, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $5,000; Credit Score: 640-679
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.00% → 8.50% ▲ 0.50 pts · high 8.50% / low 8.00%
7.50%8.25%9.00%Sep 14, 2026: 8.00% APRSep 17, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $9,500; Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 24 Months 9.50% 24 Months
Details Loan Amount: $3,500; Credit Score: 600-639
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.00% → 9.50% ▲ 1.50 pts · high 9.50% / low 8.00%
6.50%8.75%11.00%Sep 14, 2026: 8.00% APRSep 17, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $5,000; Credit Score: 640-679
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.00% → 9.50% ▲ 0.50 pts · high 9.50% / low 9.00%
8.50%9.25%10.00%Sep 14, 2026: 9.00% APRSep 17, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $9,500; Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 4 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Unsecured Loan 10.00% 76 months
Details Rates as low as 10.00% APR*; Terms up to 76 months (Payments as low as $250/mo*); No collateral required!
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - 36 Months 10.50% 36 Months
Details Loan Amount: $3,500; Credit Score: 600-639
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.00% → 10.50% ▲ 1.50 pts · high 10.50% / low 9.00%
7.50%9.75%12.00%Sep 14, 2026: 9.00% APRSep 17, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $5,000; Credit Score: 640-679
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.00% → 10.50% ▲ 0.50 pts · high 10.50% / low 10.00%
9.50%10.25%11.00%Sep 14, 2026: 10.00% APRSep 17, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $3,500; Credit Score: 600-639
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.00% → 11.50% ▲ 1.50 pts · high 11.50% / low 10.00%
8.50%10.75%13.00%Sep 14, 2026: 10.00% APRSep 17, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $9,500; Credit Score: 850-680
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 4 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
Signature Loans - Max Term 60 Months 12.50% 60 Months
Details Loan Amount: $5,000; Credit Score: 640-679
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 12.50% ▲ 1.00 pts · high 12.50% / low 11.50%
10.50%12.00%13.50%Sep 14, 2026: 11.50% APRSep 17, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
  • 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
Details Loan Amount: $3,500; Credit Score: 600-639
Last Updated 10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.50% → 13.50% ▲ 2.00 pts · high 13.50% / low 11.50%
9.50%12.50%15.50%Sep 14, 2026: 11.50% APRSep 17, 2026: 13.50% APRSep 14, 2026Oct 13, 2026
  • 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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 9, 2026: 10.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 11.50% APR
11.00%11.50%12.00%Oct 9, 2026: 11.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.50% APR
13.00%13.50%14.00%Oct 9, 2026: 13.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 15.50% APR
15.00%15.50%16.00%Oct 9, 2026: 15.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 17.50% APR
17.00%17.50%18.00%Oct 9, 2026: 17.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 9, 2026: 8.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 9, 2026: 9.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 9, 2026: 10.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 13.50% APR
13.00%13.50%14.00%Oct 9, 2026: 13.50% APROct 9, 2026Oct 13, 2026
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 Updated 10/09/2026
Rate History
No change since Oct 9, 2026 · 16.50% APR
16.00%16.50%17.00%Oct 9, 2026: 16.50% APROct 9, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 7.91%
IRA Account 0.30% - 0.30%
Min Balance $100
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 8.58% A Q3 2023 A Q4 2023 A+ Q1 2024 A Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A+ Q3 2025 A Q4 2025 A+ Q1 2026 7.91% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$28M7.91%5.0A
March 31, 2026$28M2.21%5.0A+
December 31, 2025$28M10.05%5.0A
September 30, 2025$28M5.53%5.0A+
June 30, 2025$29M7.23%5.0A
March 31, 2025$32M5.65%5.0A+
December 31, 2024$31M2.46%5.0A+
September 30, 2024$32M5.02%5.0A+
June 30, 2024$33M12.25%5.0A
March 31, 2024$35M3.41%5.0A+
December 31, 2023$34M7.56%5.0A
September 30, 2023$34M8.58%5.0A
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 Name Labor Management Federal Credit Union
Address 8225 US HIGHWAY 60 W, LEWISPORT, KY 42351-7082
Phone 270-295-3422
Fax 270-295-3366
President Joanne Mason
CEO Ashley Walls
Full-Time Employees 7
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
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
MonitorBankRates Verified Healthy Badge Q2 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.

<a href="https://monitorbankrates.com/credit-unions/labor-management-federal-credit-union-rates-review-21853">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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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.