Lake Chem Community Federal Credit Union


Overview / Commentary
270-527-4389
35 Us Highway 68 E
Benton, KY 42025

Lake Chem Community Federal Credit Union is headquartered in Benton and is the 19th largest credit union in the state of Kentucky. It is also the 2,084th largest credit union in the nation. It was established in 1971 and as of June of 2019, it had grown to 25 employees and 11,920 members at 3 locations. Lake Chem Community Federal Credit Union's savings rates are 44% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Lake Chem Community Federal Credit Union is open to anyone who lives, works, worships or attends school in Marshall or Calloway counties.
See current membership details

Reviews (1)

Love My Local FCU

The staff is always so helpful and friendly.



Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lake Chem Community Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #20641
Year Chartered1971
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD4.42%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$63.3MM$59.7MM
LoansQ2 2019vs Q2 2018$50.6MM$46.2MM
DepositsQ2 2019vs Q2 2018$57.5MM$54.1MM
Equity CapitalQ2 2019vs Q2 2018$5.7MM$5.5MM
Loan Loss AllowanceQ2 2019vs Q2 2018$202.00K$138.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$240.00K$288.00K
Real Estate OwnedQ2 2019vs Q2 2018$120.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lake Chem Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--IRA Share Account
0.75%*$100k*-Premium Share Savings Account
OTHER TIERS: 0.25% $25 - $7.5k | 0.35% $7.5k - $10k | 0.45% $10k - $20k | 0.55% $20k - $50k | 0.65% $50k - $100k
0.55%*$100k*-Share Savings Account
OTHER TIERS: 0.10% $25 - $7.5k | 0.20% $7.5k - $10k | 0.30% $10k - $20k | 0.35% $20k - $50k | 0.50% $50k - $100k
0.50%$25-Kids Club Share Account
0.10%--Vacation Club Share Account
0.10%--Christmas Club Share Account

Lake Chem Community Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-Premium Share Draft Account
Locations


Lake Chem Community Federal Credit Union Locations
Branch Office35 US Highway 68 EBenton, KY 42025
Branch Office4822 US Highway 62Calvert City, KY 42029-8459
Branch Office1105 Octane DrMurray, KY 42071

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