Lone Star Credit Union

7508 Ferguson Rd
Dallas, TX 75228
1.800.LUV.MYCU (588.6928)
www.lonestarcu.org

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Lone Star Credit Union is headquartered in Dallas and is the 113^st largest credit union in the state of Texas. It is also the 1,483^rd largest credit union in the nation. It was established in 1967 and as of December of 2012, it had grown to 36 employees and 11,100 members. Lone Star Credit Union has a 3-star health rating.

Lone Star Credit Union Routing Number: 311079869

5.04% 60-Month / 4.52% 36-Month CD at a Texas CU - Up to 5.31% (Lone Star). - 2/27/2008

Update 3/29/08: The CD rates have fallen. Please check the credit union's website for the latest rates.Lone Star Credit Union has some attractive certificate rates. The most competitive rates include a 4.37% APY 24-month CD, a 4.52% APY 36-month CD, a...

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

Lone Star Credit Union Checking Account Rates

Apy	Min	Max	Product
0.00%	$1,500	-	Texas Heritage Checking
0.00%	$1,500	-	Texas Heritage Plus Checking

Lone Star Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$100	-	IRA Savings
0.10%	$100	-	Roth IRA Savings
0.10%	$100	-	Coverdell Education IRA Savings
0.05%	$100	$2,500	Lone Star Ranger Savings
0.03%	$100	-	Regular Savings Account
0.03%	$100	-	Special Savings Account

Lone Star Credit Union Money Market Rates

Apy	Min	Max	Product
0.10%	$25k	-	Executive Plus Money Market Checking
0.05%	$15k	-	Money Market Checking
0.05%	$2,500	-	182 Day Money Market CD
0.00%	$2,500	-	91 Day Money Market CD

Lone Star Credit Union CD Rates

Apy	Min	Max	Product
1.05%	$90k	-	60 Month Jumbo CD
0.95%	$500	-	60 Month CD
0.95%	$100	-	60 Month Youth CD
0.95%	$100	-	Business 60 Month CD
0.75%	$90k	-	60 Month Jumbo Bump Up CD
0.70%	$500	-	60 Month Bump Up CD
0.65%	$90k	-	48 Month Jumbo CD
0.55%	$500	-	48 Month CD
0.55%	$90k	-	36 Month Jumbo CD
0.55%	$100	-	48 Month Youth CD
0.55%	$100	-	Business 48 Month CD
0.45%	$500	-	36 Month CD
0.45%	$100	-	36 Month Youth CD
0.45%	$100	-	Business 36 Month CD
0.40%	$90k	-	48 Month Jumbo Bump Up CD
0.30%	$500	-	48 Month Bump Up CD
0.30%	$90k	-	24 Month Jumbo CD
0.30%	$90k	-	36 Month Jumbo Bump Up CD
0.20%	$500	-	24 Month CD
0.20%	$500	-	36 Month Bump Up CD
0.20%	$90k	-	12 Month Jumbo CD
0.20%	$90k	-	24 Month Jumbo Bump Up CD
0.20%	$100	-	24 Month Youth CD
0.20%	$100	-	Business 24 Month CD
0.10%	$500	-	12 Month CD
0.10%	$500	-	24 Month Bump Up CD
0.10%	$100	-	12 Month Youth CD
0.10%	$100	-	Business 12 Month CD

Lone Star Credit Union IRA Rates

Apy	Min	Max	Product
1.05%	$90k	-	60 Month Jumbo IRA
1.05%	$90k	-	60 Month Jumbo Roth IRA
1.05%	$90k	-	60 Month Jumbo CESA
0.95%	$500	-	60 Month IRA
0.95%	$500	-	60 Month Roth IRA
0.95%	$500	-	60 Month CESA
0.75%	$90k	-	60 Month Jumbo Bump Up IRA
0.75%	$90k	-	60 Month Jumbo Bump Up Roth IRA
0.75%	$90k	-	60 Month Jumbo Bump Up CESA
0.70%	$500	-	60 Month Bump Up IRA
0.70%	$500	-	60 Month Bump Up Roth IRA
0.70%	$500	-	60 Month Bump Up CESA
0.65%	$90k	-	48 Month Jumbo IRA
0.65%	$90k	-	48 Month Jumbo Roth IRA
0.65%	$90k	-	48 Month Jumbo CESA
0.55%	$90k	-	36 Month Jumbo IRA
0.55%	$500	-	48 Month IRA
0.55%	$90k	-	36 Month Jumbo Roth IRA
0.55%	$500	-	48 Month Roth IRA
0.55%	$90k	-	36 Month Jumbo CESA
0.55%	$500	-	48 Month CESA
0.45%	$500	-	36 Month IRA
0.45%	$500	-	36 Month Roth IRA
0.45%	$500	-	36 Month CESA
0.40%	$90k	-	48 Month Jumbo Bump Up IRA
0.40%	$90k	-	48 Month Jumbo Bump Up Roth IRA
0.40%	$90k	-	48 Month Jumbo Bump Up CESA
0.30%	$90k	-	24 Month Jumbo IRA
0.30%	$90k	-	36 Month Jumbo Bump Up IRA
0.30%	$500	-	48 Month Bump Up IRA
0.30%	$90k	-	24 Month Jumbo Roth IRA
0.30%	$90k	-	36 Month Jumbo Bump Up Roth IRA
0.30%	$500	-	48 Month Bump Up Roth IRA
0.30%	$90k	-	24 Month Jumbo CESA
0.30%	$90k	-	36 Month Jumbo Bump Up CESA
0.30%	$500	-	48 Month Bump Up CESA
0.20%	$90k	-	12 Month Jumbo IRA
0.20%	$500	-	24 Month IRA
0.20%	$90k	-	24 Month Jumbo Bump Up IRA
0.20%	$500	-	36 Month Bump Up IRA
0.20%	$90k	-	12 Month Jumbo Roth IRA
0.20%	$500	-	24 Month Roth IRA
0.20%	$90k	-	24 Month Jumbo Bump Up Roth IRA
0.20%	$500	-	36 Month Bump Up Roth IRA
0.20%	$90k	-	12 Month Jumbo CESA
0.20%	$500	-	24 Month CESA
0.20%	$90k	-	24 Month Jumbo Bump Up CESA
0.20%	$500	-	36 Month Bump Up CESA
0.10%	$500	-	12 Month IRA
0.10%	$500	-	24 Month Bump Up IRA
0.10%	$500	-	12 Month Roth IRA
0.10%	$500	-	24 Month Bump Up Roth IRA
0.10%	$500	-	12 Month CESA
0.10%	$500	-	24 Month Bump Up CESA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

LONE STAR
NCUA #	68449
BankRate Report	View
Year Chartered	1967
Employees	36
Primary Regulator
Assets and Liabilities
Assets	$98.77 million
Loans	$69.81 million
Deposits	$91.16 million
Equity Capital	$6.61 million
Loan Loss Allowance	$941,000
Unbacked Noncurrent Loans	$829,000
Real Estate Owned	$8,000
Historic Data - December 2011
Assets	$99.75 million
Equity Capital	$6.56 million
Loan Loss Allowance	$745,000
Unbacked Noncurrent Loans	$346,000
Real Estate Owned	$87,000
Profit Margin - Quarterly
Net Interest Margin	4.96%
Return on Assets	0.04%
Return on Equity	0.56%
Interest Income	$4.08 million
Non-Interest Income	$1.36 million

Institution Health

Overall Score:

3 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, 2012 Lone Star Credit Union had $837,000 in non-current loans and owned real-estate with $7.55 million in equity and loan loss allowances on hand to cover it. This gives Lone Star Credit Union a Texas Ratio of 11.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Lone Star Credit Union increased slightly from 5.92% as of December 31, 2011 to 11.09% as of December 31, 2012, resulting in a negative change of 87.21%. This indicates that the balance sheet and financial strength for Lone Star Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Lone Star Credit Union has decreased its total deposits by $-798,000, resulting in -0.87% 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 Lone Star Credit Union has shown is average.
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. Lone Star Credit Union has $98.77 million in assets with $7.55 million in equity, resulting in a capitalization level of 7.64%, which is below average.