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Advertiser Disclosure
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 Locomotive And Control Employees FCU Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 16, 2026
Locomotive And Control Employees FCU's 12 month CD rates are at 3.50%. Locomotive And Control Employees FCU's Mortgage Purchase rates are at 5.50%, Refinance Mortgage 1st lien rates are at 5.50%, Mortgage Purchase rates are at 5.75%, Refinance Mortgage 1st lien rates are at 5.75%. Locomotive And Control Employees FCU's Personal Loan Rates are as low as 8.00%. MonitorBankRates evaluates the financial stability of Locomotive And Control Employees FCU with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.87%. Rates last updated and verified on 09/16/2026. Locomotive And Control Employees FCU 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 Locomotive And Control Employees FCU? Share your experience about Locomotive And Control Employees FCU by leaving a review below, or read customer reviews before you decide to use Locomotive And Control Employees FCU. Locomotive And Control Employees FCU
Main Office 1286 E 38th St
https://locomotivecontrolefcu.com Erie, PA 16504-3039 
Locomotive And Control Employees FCU CD Rates
Locomotive And Control Employees FCU Mortgage Rates
Locomotive And Control Employees FCU Auto Loan Rates
Locomotive And Control Employees FCU RV, Boat and Powersport Loan Rates
Locomotive And Control Employees FCU Personal Loan Rates
Locomotive And Control Employees FCU Other Rates
Financial Health HistoryLocomotive And Control Employees FCU’s Texas Ratio rose from 0.24% in Q2 2023 to 0.87% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Locomotive And Control Employees FCU 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 Locomotive And Control Employees FCU 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 Locomotive And Control Employees FCU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Locomotive And Control Employees FCU
Address
1286 E 38th St,
Erie, PA 16504-3039
Phone
814-825-6763
Fax
814-825-4141
President
Theodore Freeman
CEO
DEBRA CRANE
Full-Time Employees
3
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.87%
Return on Assets (ROA)
0.3597%
Return on Equity (ROE)
1.3760%
Non-Performing Loans Ratio (NPL)
0.98%
Total Assets
19,884,383
Total Amount of Shares and Deposits
14,576,572
Total Shares and Deposits < 1 Year
14,531,011
Total Shares and Deposits 1 3 Years
45,561
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,602
Total Uninsured Shares and Deposits > $250K (F+J)
26,602
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,549,970
Total Interest Expense (Sum of items 6 8)
32,172
Share Certificates
87
Number of Accounts for Share Drafts
319
IRA KEOGH Accounts
15
Number of Accounts for Regular Shares
1,016
Net Income (unless the amount is already included in Undivided Earnings)
71,531
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)
1,084,061
Total Liabilities
14,685,865
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Locomotive And Control Employees FCUHow many branches does Locomotive And Control Employees FCU operate?Locomotive And Control Employees FCU 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 Locomotive And Control Employees FCU?Yes, to access services at Locomotive And Control Employees FCU, 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, Locomotive And Control Employees FCU 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, Locomotive And Control Employees FCU provides members with tools to manage their accounts and build a solid financial history. Does Locomotive And Control Employees FCU offer online and mobile banking?Most modern institutions like Locomotive And Control Employees FCU 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://locomotivecontrolefcu.com. Current Locomotive And Control Employees FCU Rates
Retrieved from our database of financial products. Rates subject to change.
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