What are the current interest rates at Lebanon Federal Credit Union?

Current rates for Lebanon Federal Credit Union include: 12-Month CD: 1.60%, 24-Month CD: 1.70%, 60-Month CD: 2.10%, Savings: 0.10%, MMA: 1.25%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Lebanon Federal Credit Union

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Lebanon Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Lebanon Federal Credit Union?

Yes, to access services at Lebanon 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lebanon Federal 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 and Verified: October 9, 2026

Lebanon Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 9 Month CD, 0.10% APY on savings, 1.25% APY on money market accounts, 0.10% APY on checking, and auto loans from 4.74% APR, according to rates verified by MonitorBankRates. Other Lebanon Federal Credit Union CD rates include 9-Month CD at 3.85%, 15 Month CD at 3.66%, and 15-Month CD at 3.50%. MonitorBankRates evaluates the financial stability of Lebanon Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.57%. Rates last updated and verified on 10/09/2026.

Lebanon 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 Lebanon Federal Credit Union? Share your experience about Lebanon Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lebanon Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.57%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Lebanon Federal Credit Union
LFCU Operations Center

120 S 16th St
Lebanon, PA 17042

https://lebanonfcu.org

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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.

Lebanon Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Certificate	3.93%	4.00%	9-Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 5, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
9-Month Certificate	3.78%	3.85%	9-Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 5, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
15 Month Certificate	3.60%	3.66%	15-Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.66% ▲ 0.26 pts · high 3.66% / low 3.40% Oct 5, 20263.66%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
15-Month Certificate	3.45%	3.50%	15-Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Oct 5, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
25 Month Certificate	3.11%	3.15%	25-Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.81% → 3.15% ▲ 0.34 pts · high 3.15% / low 2.81% Oct 5, 20263.15%▲ from 2.81% Sep 14, 20262.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
25-Month Certificate	2.96%	3.00%	25-Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.81% → 3.00% ▲ 0.19 pts · high 3.00% / low 2.81% Oct 5, 20263.00%▲ from 2.81% Sep 14, 20262.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
42 Month Certificate	2.77%	2.81%	42-Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
42-Month Certificate	2.62%	2.65%	42-Month
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
60 Month Share Certificate	2.13%	2.15%	60 Month
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
48 Month Share Certificate	2.08%	2.10%	48 Month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
60 Month Share Certificate	2.08%	2.10%	60 Month
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
48 Month Share Certificate	2.03%	2.05%	48 Month
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
48 Month Share Certificate	1.98%	2.00%	48 Month
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
36 Month Share Certificate	1.93%	1.95%	36 Month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
36 Month Share Certificate	1.88%	1.90%	36 Month
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
36 Month Share Certificate	1.83%	1.85%	36 Month
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
24 Month Share Certificate	1.79%	1.80%	24 Month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
24 Month Share Certificate	1.74%	1.75%	24 Month
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
12 Month Share Certificate	1.69%	1.70%	12 Month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
24 Month Share Certificate	1.69%	1.70%	24 Month
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
12 Month Share Certificate	1.64%	1.65%	12 Month
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
12 Month Share Certificate	1.59%	1.60%	12 Month
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
6 Month Share Certificate	1.59%	1.60%	6 Month
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
6 Month Share Certificate	1.54%	1.55%	6 Month
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
6 Month Share Certificate	1.49%	1.50%	6 Month
Min Balance $500 Details Balance: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Lebanon Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vacation Club	0.50%	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Lebanon Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Balance $5 Details Balance: $5.00+ Last Updated 10/09/2026 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: 4.57%

Lebanon Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.04%	1.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Lebanon Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.24%	1.25%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Money Market	1.04%	1.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Money Market	0.75%	0.75%
Min Balance $5,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Lebanon Federal Credit Union Checking Rates

Product	Rate	APY	View More
Platinum Rewards Checking	0.10%	0.10%
Min Deposit $0 Last Updated 10/09/2026 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: 4.57%

Lebanon Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 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: 4.57%
Business Checking	0.01%	0.01%
Details Balance: No minimum Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Lebanon Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity (Fixed) - 1st Lien Position	-	-	5.49%	Up to 5 Years
Details As Low As; Up to 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 1st Lien Position	-	-	5.49%	Up to 10 Years
Details Additional APR listed for this product: 6.000%. As Low As; Appraisal Fee does apply Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 2nd Lien Position	-	-	5.49%	Up to 5 Years
Details As Low As; Up to 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 2nd Lien Position	-	-	5.49%	Up to 10 Years
Details Additional APR listed for this product: 6.500%. As Low As; Appraisal Fee does apply Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 1st Lien Position	-	-	6.00%	Up to 5 Years
Details As Low As; Up to 90% LTV Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 5.49% → 6.00% ▲ 0.51 pts · high 6.00% / low 5.49% Sep 18, 20266.00%▲ from 5.49% Sep 17, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 1st Lien Position	-	-	6.25%	Up to 15 Years
Details Additional APR listed for this product: 6.750%. As Low As; Contact LFCU for Details Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 2nd Lien Position	-	-	6.25%	Up to 15 Years
Details Additional APR listed for this product: 7.250%. As Low As; Contact LFCU for Details Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 2nd Lien Position	-	-	6.50%	Up to 5 Years
Details As Low As; Up to 90% LTV Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 5.49% → 6.50% ▲ 1.01 pts · high 6.50% / low 5.49% Sep 18, 20266.50%▲ from 5.49% Sep 17, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 1st Lien Position	-	-	7.50%	Up to 20 Years
Details Additional APR listed for this product: 8.000%. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Home Equity (Fixed) - 2nd Lien Position	-	-	7.50%	Up to 20 Years
Details Additional APR listed for this product: 8.500%. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Lebanon Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Age - 2024 & Newer Loan	-	-	4.74%	Up to 36 Months
Details Vehicle Age: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2024 & Newer Loan	-	-	4.74%	Up to 63 Months
Details Additional APR listed for this product: 8.50%. Vehicle Age: 2024 & Newer Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 8.50% → 4.74% ▼ 3.76 pts · high 8.50% / low 4.74% Oct 9, 20264.74%▼ from 8.50% Oct 5, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2023-2021 Loan	-	-	4.99%	Up to 36 Months
Details Vehicle Age: 2023-2021 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2023-2021 Loan	-	-	4.99%	Up to 63 Months
Details Additional APR listed for this product: 9.00%. Vehicle Age: 2023-2021 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 9.00% → 4.99% ▼ 4.01 pts · high 9.00% / low 4.99% Oct 9, 20264.99%▼ from 9.00% Oct 5, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2024 & Newer Loan	-	-	5.24%	Up to 75 Months
Details Vehicle Age: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2023-2021 Loan	-	-	5.49%	Up to 75 Months
Details Vehicle Age: 2023-2021 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2024 & Newer Loan	-	-	5.74%	Up to 84 Months
Details Vehicle Age: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2023-2021 Loan	-	-	5.99%	Up to 84 Months
Details Vehicle Age: 2023-2021 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2020 & older Loan	-	-	6.24%	Up to 36 Months
Details Vehicle Age: 2020 & older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2020 & older Loan	-	-	6.24%	Up to 63 Months
Details Additional APR listed for this product: 9.50%. Vehicle Age: 2020 & older Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 9.50% → 6.24% ▼ 3.26 pts · high 9.50% / low 6.24% Oct 9, 20266.24%▼ from 9.50% Oct 5, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2020 & older Loan	-	-	6.49%	Up to 75 Months
Details Vehicle Age: 2020 & older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2020 & older Loan	-	-	7.24%	Up to 84 Months
Details Vehicle Age: 2020 & older Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2024 & Newer Loan	-	-	8.75%	Up to 120 Months
Details Vehicle Age: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2023-2021 Loan	-	-	9.25%	Up to 120 Months
Details Vehicle Age: 2023-2021 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2024 & Newer Loan	-	-	9.25%	Up to 180 Months
Details Vehicle Age: 2024 & Newer Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2020 & older Loan	-	-	9.75%	Up to 120 Months
Details Vehicle Age: 2020 & older Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2023-2021 Loan	-	-	9.75%	Up to 180 Months
Details Vehicle Age: 2023-2021 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Vehicle Age - 2020 & older Loan	-	-	10.00%	Up to 180 Months
Details Vehicle Age: 2020 & older Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Lebanon Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	8.00%	Up to 60 months
Details Requires Automatic repayment (ACH, Payroll, Checking, Savings) Loan amounts of $500- $1000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Land Loan	-	-	7.25%	Up to 5 years
Details Up to 90% LTV.; Appraisal fee does apply.; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Land Loan	-	-	7.50%	Up to 10 years
Details Up to 90% LTV.; Appraisal fee does apply.; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Land Loan	-	-	8.00%	Up to 15 years
Details Up to 90% LTV.; Appraisal fee does apply.; As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
15-Month Share Certificate Special	3.45%	-	3.50%	15-Month
Min Deposit $500 Details Applies to Regular, Traditional, Roth, SEP, Coverdell, & HSA Share Certificates. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 5, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
25-Month Share Certificate Special	2.96%	-	3.00%	25-Month
Min Deposit $500 Details Applies to Regular, Traditional, Roth, SEP, Coverdell, & HSA Share Certificates. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 3.00% ▲ 0.35 pts · high 3.00% / low 2.65% Oct 5, 20263.00%▲ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
42-Month Share Certificate Special	2.62%	-	2.65%	42-Month
Min Deposit $500 Details Applies to Regular, Traditional, Roth, SEP, Coverdell, & HSA Share Certificates. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
9-Month Share Certificate Special	3.78%	-	3.85%	9-Month
Min Deposit $500 Details Applies to Regular, Traditional, Roth, SEP, Coverdell, & HSA Share Certificates. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 5, 20263.85%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Balance	0.25%	-	0.25%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Balance	0.50%	-	0.50%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Balance	0.75%	-	0.75%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Balance	1.04%	-	1.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Balance	1.24%	-	1.25%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Business Payroll	0.10%	-	0.10%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/09/2026 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: 4.57%
Business Payroll	0.01%	-	0.01%
Details Balance: No minimum Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
HSA Account	1.00%	-	1.00%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Regular Shares	0.10%	-	0.10%
Min Balance $5 Details Balance: $5+ Last Updated 10/09/2026 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: 4.57%
Share IRA	0.65%	-	0.65%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Share IRA	0.50%	-	0.50%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Lebanon Federal Credit Union’s Texas Ratio rose from 3.81% in Q3 2023 to 4.57% in Q2 2026, so its financial health has stayed very strong 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	$540M	4.57%	5.0	A+
March 31, 2026	$538M	4.87%	5.0	A+
December 31, 2025	$525M	6.59%	5.0	A
September 30, 2025	$508M	6.26%	5.0	A
June 30, 2025	$512M	6.26%	5.0	A
March 31, 2025	$508M	4.91%	5.0	A+
December 31, 2024	$488M	5.65%	5.0	A+
September 30, 2024	$483M	5.89%	5.0	A+
June 30, 2024	$491M	5.04%	5.0	A+
March 31, 2024	$482M	3.81%	5.0	A+
December 31, 2023	$470M	4.43%	5.0	A+
September 30, 2023	$447M	3.81%	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 Lebanon 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 Lebanon 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 Lebanon Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lebanon Federal Credit Union

Website https://lebanonfcu.org

Address 120 S 16th St, Lebanon, PA 17042

Phone 717-272-2210

Fax 717-644-9972

President Walter Rau

CEO Matthew Gehman

Full-Time Employees 82

Part-Time Employees 14

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.57%

Return on Assets (ROA)

0.6861%

Return on Equity (ROE)

6.9516%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

539,670,267

Total Amount of Shares and Deposits

492,204,444

Total Shares and Deposits < 1 Year

468,444,937

Total Shares and Deposits 1 3 Years

21,272,428

Total Shares and Deposits > 3 Years

2,487,079

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

29,600,350

Total Uninsured Shares and Deposits > $250K (F+J)

29,600,350

Total Insured Shares and Deposits > $250K (item 17 less item K)

462,604,094

Total Interest Expense (Sum of items 6 8)

3,857,744

Share Certificates

5,214

Number of Accounts for Share Drafts

23,257

IRA KEOGH Accounts

1,552

Number of Accounts for Regular Shares

46,396

All other shares

107

Non Member Deposits

Money Market Shares

789

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)

39,130,786

Total Liabilities

495,102,056

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Lebanon 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.

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  <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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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Lebanon Federal Credit Union

How many branches does Lebanon Federal Credit Union operate?

Lebanon 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 Lebanon Federal Credit Union?

Yes, to access services at Lebanon 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, Lebanon 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, Lebanon Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lebanon Federal Credit Union offer online and mobile banking?

Most modern institutions like Lebanon 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://lebanonfcu.org.

Current Lebanon Federal Credit Union Rates

12-Month CD1.60%
24-Month CD1.70%
60-Month CD2.10%
Savings0.10%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Lebanon Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Lebanon Federal Credit Union Texas Ratio

Lebanon Federal Credit Union Health Trend

Lebanon Federal Credit Union CD Rates

Lebanon Federal Credit Union Savings Rates

Lebanon Federal Credit Union Business Savings Rates

Lebanon Federal Credit Union Money Market Rates

Lebanon Federal Credit Union Business Money Market Rates

Lebanon Federal Credit Union Checking Rates

Lebanon Federal Credit Union Business Checking Rates

Lebanon Federal Credit Union Home Equity & HELOC

Lebanon Federal Credit Union Auto Loan Rates

Lebanon Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Lebanon Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Lebanon Federal Credit Union

How many branches does Lebanon Federal Credit Union operate?

Is a member application needed to join Lebanon Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Lebanon Federal Credit Union offer online and mobile banking?

Current Lebanon Federal Credit Union Rates

Compare to Other Credit Unions