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LBS Financial Credit Union


Overview / Commentary
www.lbsfcu.org
714-893-5111
5505 Garden Grove Blvd
Westminster, CA 92683

LBS Financial Credit Union is headquartered in Westminster and is the 34th largest credit union in the state of California. It is also the 204th largest credit union in the nation. It was established in 1935 and as of March of 2019, it had grown to 211 employees and 136,144 members at 8 locations. LBS Financial Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in LBS Financial Credit Union is open to anyone who lives or works in California through joining the Financial Fitness Association through the credit union ($8 membership fee). Membership is also open to the following: (1) those who live or work in Orange, Riverside, San Diego or San Bernardino Counties in California and select cities in Los Angeles County; (2) employees or retirees of ABC Unified School District, California State University (Long Beach), Cerritos Community College, Long Beach City College, Long Beach Unified School District, Norwalk-La Mirada School District, Long Beach School for Adults, Concorde Career Institute, or Bellflower Unified School District.
See current membership details

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Reviews (2)

LBS Financial

Posted by: lof | Apr 23, 2016

Opened (Long Beach Branch) a 5 yr cd couple days ago. Staff made the process very easy. The rate was about good as you can get in this market.

1

Opened 5 Year CD At Spring Street Branch

Posted by: ocsteve | Sep 22, 2016

Helped my aunt open a couple of 5 year CD's at the Spring St., Long Beach, CA branch today. Was a new membership. Used a Living Trust vesting. Branch staff REQUIRED the ORIGINAL Living Trust document to review and make selected copies of key pages. Their policy requires this step. No other Bank/CU I have encountered has ever required this ORIGINAL document to open an account. CU seems a bit inflexible. If not for the rate (2.23%/2.25% APY), would have passed on this institution. Will update based upon future experience.

The EWP on a 5 year CD is a mild 180 days.

5


Health
A+

Data as of Q1 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68460
Year Chartered1935
Employees211
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD5.14%
Annual Interest Income$12.7MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$1.49B$1.44B
LoansQ1 2019vs Q1 2018$1.09B$983.4MM
DepositsQ1 2019vs Q1 2018$1.29B$1.25B
Equity CapitalQ1 2019vs Q1 2018$197.5MM$182.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$3.8MM$3.2MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.6MM$1.5MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not LBS Financial Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

LBS Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%--Summer Savings Accounts
2.02%--Mortgage Impound Account
2.02%--Escrow Account
0.15%*$100*-Regular Savings
OTHER TIERS: 0.10% → Up to $100
0.15%$5-IRA Savings Account
0.15%--Special Occasion Club
0.15%*$100*-Teen Savings
OTHER TIERS: 0.10% → Up to $100
0.15%*$100*-Youth Savings
OTHER TIERS: 0.10% → Up to $100

LBS Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-Money Market
OTHER TIERS: 0.15% → Up to $2.5k | 0.40% → $2.5k - $25k | 0.55% → $25k - $50k | 0.65% → $50k - $100k

LBS Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Interest Checking

LBS Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.15%$90k-60 Month Jumbo Share Certificate
3.10%$50k-60 Month Gold Share Certificate
3.05%$20k-60 Month Silver Share Certificate
3.00%$2.5k-60 Month Bronze Share Certificate
2.90%$90k-48 Month Jumbo Share Certificate
2.85%$90k-42 Month Jumbo Share Certificate
2.85%$50k-48 Month Gold Share Certificate
2.80%$20k-48 Month Silver Share Certificate
2.80%$90k-36 Month Jumbo Share Certificate
2.80%$50k-42 Month Gold Share Certificate
2.75%$2.5k-48 Month Bronze Share Certificate
2.75%$20k-42 Month Silver Share Certificate
2.75%$50k-36 Month Gold Share Certificate
2.70%$2.5k-42 Month Bronze Share Certificate
2.70%$20k-36 Month Silver Share Certificate
2.70%$90k-30 Month Jumbo Share Certificate
2.65%$2.5k-36 Month Bronze Share Certificate
2.65%$90k-24 Month Jumbo Share Certificate
2.65%$50k-30 Month Gold Share Certificate
2.60%$20k-30 Month Silver Share Certificate
2.60%$50k-24 Month Gold Share Certificate
2.55%$2.5k-30 Month Bronze Share Certificate
2.55%$20k-24 Month Silver Share Certificate
2.55%$90k-18 Month Jumbo Share Certificate
2.50%$2.5k-24 Month Bronze Share Certificate
2.50%$50k-18 Month Gold Share Certificate
2.45%$20k-18 Month Silver Share Certificate
2.40%$2.5k-18 Month Bronze Share Certificate
2.35%$90k-12 Month Jumbo Share Certificate
2.30%$50k-12 Month Gold Share Certificate
2.25%$20k-12 Month Silver Share Certificate
2.25%$90k-9 Month Jumbo Share Certificate
2.20%$2.5k-12 Month Bronze Share Certificate
2.20%$50k-9 Month Gold Share Certificate
2.15%$20k-9 Month Silver Share Certificate
2.15%$90k-6 Month Jumbo Share Certificate
2.10%$2.5k-9 Month Bronze Share Certificate
2.10%$50k-6 Month Gold Share Certificate
2.05%$20k-6 Month Silver Share Certificate
2.00%$2.5k-6 Month Bronze Share Certificate
1.40%$90k-3 Month Jumbo Share Certificate
1.35%$50k-3 Month Gold Share Certificate
1.30%$20k-3 Month Silver Share Certificate
1.25%$1k-3 Month Bronze Share Certificate

LBS Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.70%$90k-30 Month Jumbo IRA
2.65%$90k-24 Month Jumbo IRA
2.65%$50k-30 Month Gold IRA
2.60%$20k-30 Month Silver IRA
2.60%$50k-24 Month Gold IRA
2.55%$100-30 Month Bronze IRA
2.55%$20k-24 Month Silver IRA
2.55%$90k-18 Month Jumbo IRA
2.50%$100-24 Month Bronze IRA
2.50%$50k-18 Month Gold IRA
2.45%$20k-18 Month Silver IRA
2.40%$100-18 Month Bronze IRA
2.35%$90k-12 Month Jumbo IRA
2.30%$50k-12 Month Gold IRA
2.25%$20k-12 Month Silver IRA
2.20%$100-12 Month Bronze IRA
2.15%$90k-6 Month Jumbo IRA
2.10%$50k-6 Month Gold IRA
2.05%$20k-6 Month Silver IRA
2.00%$100-6 Month Bronze IRA
Locations


LBS Financial Credit Union Locations
Branch Office1401 Quail StNewport Beach, CA 92660-2744
Branch Office4916 Bellflower BlvdLakewood, CA 90713-1810
Branch Office11239 183rd StCerritos, CA 90703-5417
Branch Office6417 E Spring StLong Beach, CA 90808-4022
Branch Office4341 E 10th StLong Beach, CA 90804-5511
Branch Office4436 Atlantic AveLong Beach, CA 90807
Corporate Office5505 Garden Grove BlvdWestminster, CA 92683
Branch Office6049 E 7th StLong Beach, CA 90840-0007

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