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 Lauderdale County Teachers Credit Union Rates & Review August 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 and Verified: August 28, 2026
Lauderdale County Teachers Credit Union's savings rates are at 0.10%. Lauderdale County Teachers Credit Union's Personal Loan Rates are at 5.25%. MonitorBankRates evaluates the financial stability of Lauderdale County Teachers Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 08/28/2026. Lauderdale County Teachers 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 Lauderdale County Teachers Credit Union? Share your experience about Lauderdale County Teachers Credit Union by leaving a review below, or read customer reviews before you decide to use Lauderdale County Teachers Credit Union. Lauderdale County Teachers Credit Union
Main Office 103 Mangum St
https://www.lctcu.org Florence, AL 35630 1559 
Lauderdale County Teachers Credit Union Savings Rates
Lauderdale County Teachers Credit Union Checking Rates
Lauderdale County Teachers Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Lauderdale County Teachers 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 Lauderdale County Teachers 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 Lauderdale County Teachers Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Lauderdale County Teachers Credit Union
Website
https://www.lctcu.org
Address
103 Mangum St,
Florence, AL 35630 1559
Phone
256-766-2936
Fax
256-766-2933
President
Robert Trimm
CEO
Sherry Fulks
Full-Time Employees
4
Part-Time Employees
2
Branch Locations
2
ATM Locations
2
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
0.00%
Return on Assets (ROA)
0.9243%
Return on Equity (ROE)
7.6312%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
37,339,076
Total Amount of Shares and Deposits
32,540,870
Total Shares and Deposits < 1 Year
32,375,905
Total Shares and Deposits 1 3 Years
106,051
Total Shares and Deposits > 3 Years
58,914
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,003,471
Total Uninsured Shares and Deposits > $250K (F+J)
1,003,471
Total Insured Shares and Deposits > $250K (item 17 less item K)
31,537,399
Total Interest Expense (Sum of items 6 8)
273,398
Share Certificates
189
Number of Accounts for Share Drafts
1,251
IRA KEOGH Accounts
60
Number of Accounts for Regular Shares
2,097
All other shares
154
Money Market Shares
63
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)
2,530,060
Total Liabilities
32,848,017
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Frequently Asked Questions About Lauderdale County Teachers Credit UnionHow many branches does Lauderdale County Teachers Credit Union operate?Lauderdale County Teachers 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 Lauderdale County Teachers Credit Union?Yes, to access services at Lauderdale County Teachers 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, Lauderdale County Teachers 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, Lauderdale County Teachers Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Lauderdale County Teachers Credit Union offer online and mobile banking?Most modern institutions like Lauderdale County Teachers 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.lctcu.org. Current Lauderdale County Teachers Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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