The Local Federal Credit Union Rates and Review January 2026
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Brian McKay
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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.
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Compare The Local 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 The Local 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 AvailabilityThe Local 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 The Local Federal Credit Union? Share your experience about The Local Federal Credit Union by leaving a review below, or read customer reviews before you decide to use The Local Federal Credit Union. Overall, The Local Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. The Local Federal Credit Union The LOCAL FCU 8787 N Stemmons Fwy Ste 185 Dallas, TX 75247 3721  CD & Savings Rate ComparisonShow More
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 ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonRewards Credit Card
14.240%
Academic VISA® Classic
15.400%
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
Show More
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 ComparisonSignature Loan
10.000%
$0
60
Consolidation Loans
13.060%
$0
1 - 36
Signature Loan
10.000%
$0
12 - 12
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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 The Local Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: The Local Federal Credit Union
Website: https://www.thelocalfcu.com
Full Time Employees: 12Part Time Employees: 0 President: Ralph Compton CEO: Jim Ratliff Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
8787 N Stemmons Fwy Ste 185
Dallas, TX 75247 3721 Phone Number: 214-638-0404 Fax Number: 214-638-0068 FinancialsTotal Assets:
24,438,638
Total Amount of Shares and Deposits:
18,387,211
Total Shares and Deposits < 1 Year:
17,146,686
Total Shares and Deposits 1 3 Years:
1,240,525
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
380,793
Total Uninsured Shares and Deposits > $250K (F+J):
380,793
Total Insured Shares and Deposits > $250K (item 17 less item K):
18,006,418
Total Interest Expense (Sum of items 6 8):
60,191
Share Certificates:
195
Number of Accounts for Share Drafts:
1,972
IRA KEOGH Accounts:
64
Number of Accounts for Regular Shares:
6,198
All other shares:
558
Money Market Shares:
13
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
2,579,662
Total Liabilities:
19,007,679
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for The Local Federal Credit Union yet. Feel free to create one below.
Add Your Rating and Review for The Local Federal Credit Union
Frequently Asked Questions About The Local Federal Credit UnionIs a member application needed to join The Local Federal Credit Union?Yes, to access services at The Local Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, The Local Federal Credit Union provides a range of mortgage and home equity products. Is The Local Federal Credit Union a safe place to deposit money?Yes, The Local Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does The Local Federal Credit Union offer online and mobile banking?Most modern institutions like The Local Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.29%, 6-month CD rates at 2.75% and 3-month CD rates at 3.60%. Savings rates are at 0.15% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.16%. Credit Card rates are at 14.24%. Personal Loan rates are at 13.15%. All these rates, and more, can be found in our database of rates which you can compare to 
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