What are the current interest rates at Lions Share Federal Credit Union?

Current rates for Lions Share Federal Credit Union include: 12-Month CD: 3.03%, 24-Month CD: 4.00%, Savings: 0.45%

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Lions Share Federal Credit Union

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Lions Share Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lions Share 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

Lions Share Federal Credit Union's top rates as of October 9, 2026 are 4.15% APY on its 12-Month IRA CD, and 0.45% APY on savings, according to rates verified by MonitorBankRates. Other Lions Share Federal Credit Union CD rates include 24-Month IRA CD at 4.00%, and 12 Month Save To Win CD at 3.03%. MonitorBankRates evaluates the financial stability of Lions Share Federal Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 17.46%. Rates last updated and verified on 10/09/2026.

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

Overall Health & Safety Grade

High Risk Health Score: 52/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

17.46%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Lions Share Federal Credit Union
Headquarters

850 Harrison Rd
Salisbury, NC 28147-9021

https://www.lionsharecu.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.

Lions Share Federal Credit Union CD Rates

Product	Rate	APY	Term
12-Month IRA CD	-	4.15%	12-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.15% APY · checked 6 times Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 17.46%
24-Month IRA CD	-	4.00%	24-Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 17.46%
12 Month Save To Win Share Certificate	-	3.03%	12 Month
Min Deposit $25 Min Balance $25 Details Earn Entries into monthly and quarterly prize drawings for every $25 deposited. Monthly Cash Prizes ranging from $25 to $1,000 awarded each month. Over 150 Winners are chosen every month. Up to $5,000 in quarterly prizes too! Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.03% APY Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 17.46%

Lions Share Federal Credit Union Savings Rates

Product	Rate	APY
Roth IRA Savings	-	0.45%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 17.46%
Traditional IRA Savings	-	0.45%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 7 times Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 17.46%

Lions Share Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Roaring Start Credit Builder Loan	-	-	10.99%	6 to 12 months
Details Borrow: $500 to $1,200, with flexibility to increase if needed. Funds Secured by LSFCU. Repay in 6 to 12 months-or longer with approval. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 7 times Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 17.46%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Lions Share Federal Credit Union’s Texas Ratio fell from 25.30% in Q3 2023 to 17.46% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.1 to 1.0 and its Health Grade from C+ to F. 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	$65M	17.46%	1.0	F
March 31, 2026	$66M	15.10%	1.1	F
December 31, 2025	$61M	18.83%	1.2	F
September 30, 2025	$61M	10.98%	2.8	C-
June 30, 2025	$65M	28.30%	3.4	C-
March 31, 2025	$65M	24.17%	3.6	C
December 31, 2024	$63M	45.60%	2.5	F
September 30, 2024	$71M	39.29%	3.0	D
June 30, 2024	$71M	41.66%	2.8	F
March 31, 2024	$73M	32.46%	3.5	D
December 31, 2023	$71M	27.48%	4.0	C
September 30, 2023	$72M	25.30%	4.1	C+

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 Lions Share 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 Lions Share 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 Lions Share Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lions Share Federal Credit Union

Website https://www.lionsharecu.org

Address 850 Harrison Rd, Salisbury, NC 28147-9021

Phone 704-636-0643

Fax 704-637-6311

President Kara Goode

CEO Ronald Baron

Full-Time Employees 23

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

1.0 / 5.0 ★

Overall Health & Safety Grade

F (52/100)

Texas Ratio

17.46%

Return on Assets (ROA)

-0.0858%

Return on Equity (ROE)

-2.6562%

Non-Performing Loans Ratio (NPL)

1.26%

Total Assets

64,678,242

Total Amount of Shares and Deposits

62,183,897

Total Shares and Deposits < 1 Year

60,462,328

Total Shares and Deposits 1 3 Years

1,657,909

Total Shares and Deposits > 3 Years

63,661

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

7,068,405

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

7,068,405

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

55,115,492

Total Interest Expense (Sum of items 6 8)

438,750

Share Certificates

648

Number of Accounts for Share Drafts

7,139

IRA KEOGH Accounts

Number of Accounts for Regular Shares

15,780

Money Market Shares

924

Net Income (unless the amount is already included in Undivided Earnings)

-55,511

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Significantly Undercapitalized

Net Worth Classification if credit union is a new credit union

Marginally Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,194,512

Total Liabilities

62,619,084

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Lions Share Federal Credit Union

How many branches does Lions Share Federal Credit Union operate?

Lions Share 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 Lions Share Federal Credit Union?

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

Does Lions Share Federal Credit Union offer online and mobile banking?

Most modern institutions like Lions Share 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://www.lionsharecu.org.