LM Credit Union

101 Chesapeake Park Plaza
Baltimore, MD 21220
(800) 410-0501
www.lmfcu.com

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LM Credit Union is headquartered in BALTIMORE and is the 55^th largest credit union in the state of Maryland. It is also the 3,006^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 5 employees and 3,584 members. LM Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

LM Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.01%	$100	-	Interest Checking Account

LM Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$100	-	Secondary Account
0.10%	$100	-	Escrow Account
0.10%	$100	-	IRA Share Account
0.10%	$100	-	Roth IRA Share Account
0.10%	$100	-	Coverdell Education Savings Account
0.05%	$100	-	Regular Share Savings Account
0.05%	$100	-	Holiday Club Account
0.05%	$100	-	Summer Club Account

LM Credit Union Money Market Rates

Apy	Min	Max	Product
0.20%	$100k	-	Regular Money Market Plus Account
0.20%	$100k	-	IRA Money Market Plus Account
0.15%	$50k	-	Regular Money Market Share Account
0.15%	$50k	-	IRA Money Market Account

LM Credit Union CD Rates

Apy	Min	Max	Product
0.60%	$500	-	36 Month Share Certificate
0.60%	$25k	-	36 Month Jumbo Share Certificate
0.40%	$500	-	24 Month Share Certificate
0.40%	$25k	-	24 Month Jumbo Share Certificate
0.35%	$500	-	18 Month Share Certificate
0.35%	$25k	-	18 Month Jumbo Share Certificate
0.25%	$500	-	12 Month Share Certificate
0.25%	$25k	-	12 Month Jumbo Share Certificate
0.20%	$500	-	6 Month Share Certificate
0.20%	$25k	-	6 Month Jumbo Share Certificate
0.05%	$1k	-	3 Month Share Certificate
0.05%	$25k	-	3 Month Jumbo Share Certificate

LM Credit Union IRA Rates

Apy	Min	Max	Product
0.65%	$25k	-	36 Month Jumbo IRA Certificate
0.65%	$500	-	36 Month IRA Certificate
0.65%	$500	-	36 Month Roth IRA Certificate
0.65%	$25k	-	36 Month Jumbo Roth IRA Certificate
0.65%	$500	-	36 Month CESA Certificate
0.65%	$25k	-	36 Month Jumbo CESA Certificate
0.45%	$25k	-	24 Month Jumbo IRA Certificate
0.45%	$500	-	24 Month IRA Certificate
0.45%	$500	-	24 Month Roth IRA Certificate
0.45%	$25k	-	24 Month Jumbo Roth IRA Certificate
0.45%	$500	-	24 Month CESA Certificate
0.45%	$25k	-	24 Month Jumbo CESA Certificate
0.40%	$25k	-	18 Month Jumbo IRA Certificate
0.40%	$500	-	18 Month IRA Certificate
0.40%	$500	-	18 Month Roth IRA Certificate
0.40%	$25k	-	18 Month Jumbo Roth IRA Certificate
0.40%	$500	-	18 Month CESA Certificate
0.40%	$25k	-	18 Month Jumbo CESA Certificate
0.30%	$25k	-	12 Month Jumbo IRA Certificate
0.30%	$500	-	12 Month IRA Certificate
0.30%	$500	-	12 Month Roth IRA Certificate
0.30%	$25k	-	12 Month Jumbo Roth IRA Certificate
0.30%	$500	-	12 Month CESA Certificate
0.30%	$25k	-	12 Month Jumbo CESA Certificate
0.25%	$25k	-	6 Month Jumbo IRA Certificate
0.25%	$500	-	6 Month IRA Certificate
0.25%	$500	-	6 Month Roth IRA Certificate
0.25%	$25k	-	6 Month Jumbo Roth IRA Certificate
0.25%	$500	-	6 Month CESA Certificate
0.25%	$25k	-	6 Month Jumbo CESA Certificate
0.10%	$25k	-	3 Month Jumbo IRA Certificate
0.10%	$1k	-	3 Month IRA Certificate
0.10%	$1k	-	3 Month Roth IRA Certificate
0.10%	$25k	-	3 Month Jumbo Roth IRA Certificate
0.10%	$1k	-	3 Month CESA Certificate
0.10%	$25k	-	3 Month Jumbo CESA Certificate

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

LM
NCUA #	6039
BankRate Report	View
Year Chartered	1949
Employees	5
Primary Regulator
Assets and Liabilities
Assets	$28.65 million
Loans	$17.36 million
Deposits	$26.40 million
Equity Capital	$2.01 million
Loan Loss Allowance	$47,000
Historic Data - December 2010
Assets	$26.40 million
Equity Capital	$1.93 million
Loan Loss Allowance	$72,000
Unbacked Noncurrent Loans	$128,000
Profit Margin - Quarterly
Net Interest Margin	4.51%
Return on Assets	0.28%
Return on Equity	3.93%
Interest Income	$912,000
Non-Interest Income	$199,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 LM Credit Union had $0 in non-current loans and owned real-estate with $2.06 million in equity and loan loss allowances on hand to cover it. This gives LM Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, LM Credit Union has increased its total deposits by $2.07 million, resulting in 8.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth LM Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. LM Credit Union has $28.65 million in assets with $2.06 million in equity, resulting in a capitalization level of 7.19%, which is below average.

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