What are the current interest rates at Lincoln County Credit Union?

Current rates for Lincoln County Credit Union include: 12-Month CD: 4.50%, 18-Month CD: 4.00%, 24-Month CD: 3.50%, 60-Month CD: 3.00%, Savings: 0.20%, MMA: 1.30%

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Lincoln County Credit Union

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Lincoln County Credit Union Rates & Review September 2026

Q: Is a member application needed to join Lincoln County Credit Union?

Yes, to access services at Lincoln County 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, Lincoln County 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: September 22, 2026

Lincoln County Credit Union's 12 Month CDs rates are at 4.50%, 18 Month CDs rates are at 4.00%, 2 Year CDs rates are at 3.50%, 3 Year CDs rates are at 3.00%, 5 Year CDs rates are at 3.00%. Lincoln County Credit Union's savings rates are at 0.20%. Lincoln County Credit Union's money market rates are at 1.30%. MonitorBankRates evaluates the financial stability of Lincoln County Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.28%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.28%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Lincoln County Credit Union
LCCU Main Office

714 W 6th St
Libby, MT 59923

https://www.lincolncountycu.com

Lincoln County Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	-	4.50%	12 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
18 Month Share Certificates	-	4.00%	18 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
2 Year Share Certificates	-	3.50%	2 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
3 Year Share Certificates	-	3.00%	3 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
5 Year Share Certificates	-	3.00%	5 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
4 Year Share Certificates	-	2.75%	4 Years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Lincoln County Credit Union Savings Rates

Product	Rate	APY
Share Savings Account	-	0.40%
Min Balance $20,000 Details Balance: $20,000.01 and above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Share Savings Account	-	0.30%
Min Balance $10,000 Details Balance: $10,000.01 - $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Share Savings Account	-	0.25%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Share Savings Account	-	0.20%
Min Balance $0 Details Balance: $0.00 - $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Lincoln County Credit Union Money Market Rates

Product	Rate	APY
Money Market Share Draft Account	-	1.40%
Min Balance $100,000 Details Balance: $100,000.01 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Money Market Share Draft Account	-	1.35%
Min Balance $20,000 Details Balance: $20,000.01 - $100,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Money Market Share Draft Account	-	1.30%
Min Balance $0 Details Balance: $0.00 - $20,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

Lincoln County Credit Union Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Cash Checking	-	-	4.00%
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; 4.00% to 0.59% APY on balances over $10,000 depending on balance in account*; 0.05% APY if qualifications aren't met; Link to free Kasasa Saver to build savings automatically; Qualifying balance up to $1,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Individual Retirement Account	-	-	0.30%
Min Balance $0 Details Balance: $0.00 - $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Individual Retirement Account	-	-	0.50%
Min Balance $20,000 Details Balance: $20,000.01 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Individual Retirement Account	-	-	0.75%
Min Balance $100,000 Details Balance: $100,000.01 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Kasasa Cash Checking	-	-	4.00%
Details Qualifications Required: At least 12 debit card purchases; Be enrolled in and log into online banking; At least 1 direct deposit, ACH payment, or bill pay transaction; 4.00% APY* on balances up to $10,000.00; 4.00% to 0.59% APY on balances over $10,000.00 depending on balance in account; 0.05% APY if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide (up to $25.00 monthly)*; Per transaction limits: $4.99 per transaction; $5 calculated fee divisor; Link to free Kasasa Saver to build savings automatically Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%
Kasasa Saver Savings	-	-	1.00%
Details Qualifications Required: At least 12 debit card purchases; Be enrolled in and log into online banking; At least 1 direct deposit, ACH payment, or bill pay transaction; 1.00% APY* on balances up to $10,000.00; 1.00% to 0.32% APY on balances over $10,000.00 depending on the balance in the account; 0.05% APY* if qualifications are not met Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.28%

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

Lincoln County Credit Union’s Texas Ratio stayed near 0.24% in Q2 2023 to 0.28% in Q1 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$182M	0.28%	5.0	A+
December 31, 2025	$178M	1.01%	5.0	A+
September 30, 2025	$175M	0.97%	5.0	A+
June 30, 2025	$171M	0.27%	5.0	A+
March 31, 2025	$168M	1.02%	5.0	A+
December 31, 2024	$164M	0.41%	5.0	A+
September 30, 2024	$167M	0.31%	5.0	A+
June 30, 2024	$165M	0.14%	5.0	A+
March 31, 2024	$164M	0.16%	5.0	A+
December 31, 2023	$164M	0.17%	5.0	A+
September 30, 2023	$165M	0.28%	5.0	A+
June 30, 2023	$163M	0.24%	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 Lincoln County 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 Lincoln County 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 Lincoln County Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lincoln County Credit Union

Website https://www.lincolncountycu.com

Address 714 W 6th St, Libby, MT 59923

Phone 406-293-7771

Fax 406-293-3236

President Jon Reny

CEO Lindsay Beaty

Full-Time Employees 12

Part-Time Employees 2

Branch Locations 2

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.28%

Return on Assets (ROA)

0.5153%

Return on Equity (ROE)

2.3919%

Non-Performing Loans Ratio (NPL)

0.17%

Total Assets

182,407,917

Total Amount of Shares and Deposits

142,899,452

Total Shares and Deposits < 1 Year

142,319,304

Total Shares and Deposits 1 3 Years

495,826

Total Shares and Deposits > 3 Years

84,322

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

8,245,557

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

8,245,557

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

134,653,895

Total Interest Expense (Sum of items 6 8)

432,858

Share Certificates

609

Number of Accounts for Share Drafts

4,232

IRA KEOGH Accounts

174

Number of Accounts for Regular Shares

6,799

All other shares

Money Market Shares

236

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)

43,815,733

Total Liabilities

143,144,141

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Lincoln County Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Lincoln County Credit Union

How many branches does Lincoln County Credit Union operate?

Lincoln County 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 Lincoln County Credit Union?

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

Does Lincoln County Credit Union offer online and mobile banking?

Most modern institutions like Lincoln County 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.lincolncountycu.com.