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Linn Area Credit Union

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Linn Area Credit Union Rates & Review April 2026

Q: How many branches does Linn Area Credit Union operate?

Linn Area 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.

Q: Is a member application needed to join Linn Area Credit Union?

Yes, to access services at Linn Area 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: Is there a first-time homebuyer program?

Currently, Linn Area 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Linn Area 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 5, 2026

You can compare Linn Area Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.77%, 6-month share certificate rates at 4.00% and 3-month share certificate rates at 1.41%. Savings rates are at 0.10% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 6.00%. All these rates can be compared to Linn Area Credit Union rates. MonitorBankRates evaluates the financial stability of Linn Area Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.69%. Rates were last updated on 04/05/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.69%

Excellent Higher than avg

Linn Area Credit Union
Linn Area Credit Union

3015 Blairs Ferry Rd NE
Cedar Rapids, IA 52402

https://www.linnareacu.org

Current Rate Availability

We do not have Linn Area 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 Linn Area 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 Linn Area 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 Linn Area Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Linn Area Credit Union

Website https://www.linnareacu.org

Address 3015 Blairs Ferry Rd NE, Cedar Rapids, IA 52402

Phone 319-892-7300

Fax

President Joyce Fowler

CEO Paula ORourke

Full-Time Employees 108

Part-Time Employees 2

Branch Locations 5

ATM Locations 10

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.69%

Return on Assets (ROA)

-0.2864%

Return on Equity (ROE)

-2.9525%

Non-Performing Loans Ratio (NPL)

0.76%

Total Assets

723,995,975

Total Amount of Shares and Deposits

559,630,471

Total Shares and Deposits < 1 Year

554,924,170

Total Shares and Deposits 1 3 Years

4,625,547

Total Shares and Deposits > 3 Years

80,754

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

103,973,191

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

103,973,191

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

455,657,280

Total Interest Expense (Sum of items 6 8)

11,555,455

Share Certificates

5,017

Number of Accounts for Share Drafts

22,681

IRA KEOGH Accounts

1,215

Number of Accounts for Regular Shares

36,886

All other shares

1,875

Non Member Deposits

121

Money Market Shares

2,114

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,387,995

Total Liabilities

654,879,526

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Linn Area Credit Union

Is Linn Area Credit Union a safe place to deposit money?

Yes, Linn Area Credit Union is considered a safe financial institution. With a Texas Ratio of 6.6947420058437%, the institution's financial health is rated as excellent. 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 Linn Area Credit Union operate?

Linn Area 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 Linn Area Credit Union?

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

Does Linn Area Credit Union offer online and mobile banking?

Most modern institutions like Linn Area 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.linnareacu.org.