Laredo Federal Credit Union Rates and Review February 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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Laredo Federal Credit Union's 12 month CD Term rates are at 2.00%, 60 month CD Term rates are at 0.40%, 48 month CD Term rates are at 0.35%, 36 month CD Term rates are at 0.30%, 24 month CD Term rates are at 0.25%. Laredo Federal Credit Union's money market rates are at 0.05%.
Laredo 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 Laredo Federal Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Laredo Federal Credit Union Texas RatioLaredo Federal Credit Union's Texas Ratio is at 5.30%, which is considered excellent. The Texas Ratio for Laredo Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Laredo Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Laredo Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Laredo Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Laredo Federal Credit Union
Main Office 1119 Corpus Christi St
Laredo, TX 78040 5258 
Laredo Federal Credit Union CD Rates
Laredo Federal Credit Union Money Market Rates
Laredo Federal Credit Union Checking Rates
Laredo Federal Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Laredo 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 Laredo 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 Laredo Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Laredo Federal Credit Union
Website: https://www.laredofcu.org
Full Time Employees: 38Part Time Employees: 3 President: Cynthia Conchas CEO: Rafael Martinez Branch Locations: 3 ATM Locations: 3 Corporate Office Address:
1119 Corpus Christi St
Laredo, TX 78040 5258 Phone Number: 956-722-3971 Fax Number: 956-712-3068 FinancialsTotal Assets:
135,177,933
Total Amount of Shares and Deposits:
123,807,678
Total Shares and Deposits < 1 Year:
120,789,963
Total Shares and Deposits 1 3 Years:
2,756,022
Total Shares and Deposits > 3 Years:
261,693
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
5,466,757
Total Uninsured Shares and Deposits > $250K (F+J):
5,466,757
Total Insured Shares and Deposits > $250K (item 17 less item K):
118,340,921
Total Interest Expense (Sum of items 6 8):
199,702
Share Certificates:
506
Number of Accounts for Share Drafts:
6,053
IRA KEOGH Accounts:
236
Number of Accounts for Regular Shares:
15,308
All other shares:
166
Money Market Shares:
148
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
11,174,896
Total Liabilities:
123,902,011
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsybFQ
December 17, 2025
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Frequently Asked Questions About Laredo Federal Credit UnionIs a member application needed to join Laredo Federal Credit Union?Yes, to access services at Laredo Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Laredo Federal Credit Union provides a range of mortgage and home equity products. Is Laredo Federal Credit Union a safe place to deposit money?Yes, Laredo Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Laredo Federal Credit Union offer online and mobile banking?Most modern institutions like Laredo Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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