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Lauderdale County Teachers Credit Union

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Lauderdale County Teachers Credit Union Rates & Review April 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Lauderdale County Teachers Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.25%, 6-month share certificate rates at 3.45% and 3-month share certificate rates at 1.49%. Savings rates are at 1.25% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates can be compared to Lauderdale County Teachers Credit Union rates. MonitorBankRates evaluates the financial stability of Lauderdale County Teachers Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Lauderdale County Teachers Credit Union
Main Office

103 Mangum St
Florence, AL 35630 1559

https://www.lctcu.org

Current Rate Availability

We do not have Lauderdale County Teachers Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

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

Number of Accounts for Regular Shares

2,097

All other shares

154

Money Market Shares

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 Union

Is Lauderdale County Teachers Credit Union a safe place to deposit money?

Yes, Lauderdale County Teachers Credit Union is considered a safe financial institution. 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 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.