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Richmond Light Employees Federal Credit Union Rates and Review January 2026

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Richmond Light Employees Federal Credit Union12-month CD rates can be found at 2.00%, 6-month CD rates at 1.30% and 3-month CD rates at 3.65%. Savings rates are at 0.50% and money market rates are at 1.16%. Mortgage rates on 30-year fixed loans are around 6.24%. Credit Card rates are at 11.50%. Personal Loan rates are at 14.99%. All these rates, and more, can be found in our database of rates which you can compare to Richmond Light Employees Federal Credit Union rates.

Compare Richmond Light Employees Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Richmond Light Employees Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Richmond Light Employees 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 CD rates or other rates available. Have you opened an account or have any experiences at Richmond Light Employees Federal Credit Union? Share your experience about Richmond Light Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Richmond Light Employees Federal Credit Union.

Overall, Richmond Light Employees Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Richmond Light Employees Federal Credit Union
Main Office
2000 US HIGHWAY 27 S
Richmond, IN 47374
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
Money Market
3.82%
$2,500
36-Month CD
3.75%
$500
60-Month CD
3.65%
$500
36-Month CD
3.60%
$500
48-Month CD
3.50%
$1,000
24-Month CD
3.46%
$1,000
12-Month CD
3.40%
$500
12-Month CD
3.30%
$1,000
18-Month CD
3.30%
$500
60-Month CD
3.19%
$1,000
60-Month CD
3.10%
$100
24-Month CD
3.10%
$500
36-Month CD
3.10%
$1,000
18-Month CD
3.08%
$500
12-Month CD
3.04%
$1,000
24-Month CD
3.03%
$500
24-Month CD
3.00%
$500
72-Month CD
3.00%
$1,000
30-Month CD
3.00%
$1,000
12-Month CD
2.95%
$1,000
18-Month CD
2.85%
$500
60-Month CD
2.73%
$500
36-Month CD
2.70%
$500
36-Month CD
2.54%
$500
60-Month CD (bump)
2.53%
$10,000
24-Month CD
2.30%
$1,000
36-Month CD
1.77%
$2,500
18-Month CD
1.65%
$1,000
Essential Savings
1.50%
$25
48-Month CD
1.36%
$500
36-Month CD
1.25%
$2,500
36-Month CD
1.25%
$1,000
Money Market
1.25%
$1,000
18-Month CD
1.10%
$1,500
Money Market
1.00%
$0
24-Month CD
0.85%
$1,000
Money Market
0.60%
$1,000
48-Month CD
0.60%
$1,000
Premier Money Market
0.60%
$0
30-Month CD
0.50%
$1,000
18-Month CD
0.49%
$2,500
Consumer Statement Savings
0.30%
$0
Business Money Market
0.25%
$250,000
36-Month CD
0.25%
$500
Savings
0.10%
$10
Universal Savings
0.05%
$50
24-Month CD
0.05%
$1,000
Forcht Friend Savings
0.05%
$0
NOW Checking
0.02%
$250
60-Month CD
0.02%
$1,000
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
15-Year Fixed
5.500%
5.684%
0.000
30-Year Fixed
6.000%
6.097%
0.500
30 Year Fixed
5.625%
5.704%
0.250
5.875%
6.070%
0.000
5.625%
5.787%
0.000
6.000%
6.148%
0.000
5.375%
5.766%
0.000
5.375%
5.460%
0.500
5.500%
5.737%
0.000
10-Year Fixed
5.625%
5.793%
0.000
30-Year (Jumbo)
6.000%
6.011%
0.000
15-Year Fixed
5.000%
5.177%
0.750
30-Year Fixed
5.625%
5.658%
0.000
15-Year Fixed
5.500%
5.579%
0.000
5.875%
6.023%
0.000
3.990%
4.357%
0.750
5.875%
6.023%
0.000
15-Year Fixed
5.250%
5.326%
0.000
20-Year Fixed
5.750%
5.870%
0.000
15 Year Fixed
5.000%
5.131%
0.250
30 Year Fixed Jumbo
6.250%
6.263%
0.000
6.125%
6.185%
0.000
5.375%
6.220%
0.000
15-Year Fixed
5.750%
5.943%
0.000
10-Year Fixed
5.375%
5.473%
0.000
15-Year Fixed
5.375%
5.560%
0.000
4.875%
4.985%
0.000
5.250%
5.534%
0.000
20-Year Fixed
5.750%
5.915%
0.000
15-Year Fixed
5.350%
5.785%
0.000
5.650%
5.986%
0.000
5/1 ARM
6.750%
6.859%
0.000
10-Year Fixed
5.375%
5.540%
0.000
5.250%
5.633%
0.000
5.115%
5.787%
1.071
5.750%
5.858%
0.000
565.625%
5.781%
0.875
5.500%
5.556%
0.000
20-Year Fixed
6.000%
6.097%
0.000
15-Year Fixed Jumbo
6.250%
6.481%
0.000
6.500%
6.648%
0.000
7/1 ARM
7.000%
7.111%
0.000
5.125%
5.421%
0.000
5.500%
5.565%
0.000
15-Year Fixed
5.680%
5.964%
0.000
15 Year Fixed
5.250%
5.306%
0.000
15-Year Fixed Jumbo
6.000%
6.111%
0.000
5/6 SOFR ARM Jumbo
5.750%
5.761%
0.000
5.625%
6.000%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
Visa Student Rewards Card
17.990%
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
8.750%
Visa Business Rewards Card
15.240%
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
16.100%
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
Academic VISA® Gold
15.400%
Visa Platinum with Rewards
9.900%
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
VISA® Credit Cards
7.990%
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
Max Rewards Visa Credit Card
15.250%
Academic VISA® Platinum
10.900%
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
Security Service Power MasterCard
12.740% - 18.000%
Visa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
Security Service Power Rewards MasterCard
18.000%
College Real Rewards Card Visa
19.740% - 29.740%
Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.
13.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
Debt Consolidation Loan
9.000%
$0
108
9.200% - 17.950%
$0 - $15,000
60 - 60
10.990%
$0 - $10,000
60 - 60
Unsecured (Signature) Loan
11.000%
$0 - $500
14.990%
$0
25 - 36
Preferred Personal Loan
10.000%
$0
60
Personal Line of Credit
13.040%
$0
9.200% - 17.950%
$0 - $100
12 - 24
8.890%
$0
Unsecured Signature Loan
10.250%
$0
25 - 36
11.500%
$0
48 - 48
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
7.750% - 16.750%
$0
1 - 36
Signature Personal Loan
12.150% - 18.000%
$0
49 - 60P
Personal Signature Loan
11.000%
$0
96
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
13.490%
$0 - $5,000
48 - 48
8.500%
$0 - $6,000
42
13.990%
$0
14.200%
$5,000 - $8,000
48 - 48
Personal Line of Credit
12.950% - 18.000%
$0
Credit Builder Loan
9.000%
$0
Access Line Of Credit
16.240%
$0
Debt Consolidation
13.990%
$0
1 - 72
Summer/Holiday Loans
9.500%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Richmond Light Employees Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Richmond Light Employees Federal Credit Union
Website:
Full Time Employees: 0
Part Time Employees: 2
President: Christy Fox
CEO: Robert Schroeder
Branch Locations: 1
ATM Locations: 0
Corporate Office Address:
2000 US HIGHWAY 27 S
Richmond, IN 47374
Phone Number: 765-973-7262
Fax Number: 765-973-7314

Financials

Total Assets:
1,271,580
Total Amount of Shares and Deposits:
747,606
Total Shares and Deposits < 1 Year:
747,606
Total Insured Shares and Deposits > $250K (item 17 less item K):
747,606
Total Interest Expense (Sum of items 6 8):
18,860
Share Certificates:
5
Number of Accounts for Regular Shares:
165
All other shares:
19
Non Member Deposits:
1
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
219,479
Total Liabilities:
1,019,721
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Richmond Light Employees Federal Credit Union

Is a member application needed to join Richmond Light Employees Federal Credit Union?

Yes, to access services at Richmond Light Employees Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Richmond Light Employees Federal Credit Union provides a range of mortgage and home equity products.

Is Richmond Light Employees Federal Credit Union a safe place to deposit money?

Yes, Richmond Light Employees Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Richmond Light Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Richmond Light Employees Federal Credit Union provide digital access including online balance checks and transfers.

Current Richmond Light Employees Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions