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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 35th largest credit union in the state of California. It is also the 222nd largest credit union in the nation. It was established in 1935 and as of September of 2022, it had grown to 203 employees and 142,389 members at 9 locations. LBS Financial Credit Union's CD rates are 4X 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: |

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: |

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 Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68460
Year Chartered1935
Employees203
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD7.2%
Annual Interest Income$38.2MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$2.03B$1.96B
LoansQ3 2022vs Q3 2021$1.18B$1.08B
DepositsQ3 2022vs Q3 2021$1.78B$1.73B
Equity CapitalQ3 2022vs Q3 2021$243.1MM$220.5MM
Loan Loss AllowanceQ3 2022vs Q3 2021$4.7MM$4.9MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$2.1MM$868.00K
Real Estate OwnedQ3 2022vs Q3 2021$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
5.00%--Summer Savings Accounts
2.02%--Mortgage Impound Account
2.02%--Escrow Account
0.10%--Share Savings
0.10%--Special Savings
0.10%--IRA Savings Account
0.10%--Teen Savings
0.10%--Youth Savings
0.10%--Sub Savings

LBS Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Money Market
OTHER TIERS: 0.10% → Up to $2.5k | 0.50% → $2.5k - $25k | 0.60% → $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
4.20%$90k-60 Month Jumbo Share Certificate
4.15%$90k-48 Month Jumbo Share Certificate
4.15%$50k-60 Month Gold Share Certificate
4.10%$20k-60 Month Silver Share Certificate
4.10%$50k-48 Month Gold Share Certificate
4.05%$2.5k-60 Month Bronze Share Certificate
4.05%$20k-48 Month Silver Share Certificate
4.05%$90k-42 Month Jumbo Share Certificate
4.00%$2.5k-48 Month Bronze Share Certificate
4.00%$90k-36 Month Jumbo Share Certificate
4.00%$50k-42 Month Gold Share Certificate
4.00%$2.5k-33 Month Share Certificate Special - New Money Only
3.95%$20k-42 Month Silver Share Certificate
3.95%$50k-36 Month Gold Share Certificate
3.90%$2.5k-42 Month Bronze Share Certificate
3.90%$20k-36 Month Silver Share Certificate
3.85%$2.5k-36 Month Bronze Share Certificate
3.85%$90k-30 Month Jumbo Share Certificate
3.80%$50k-30 Month Gold Share Certificate
3.75%$20k-30 Month Silver Share Certificate
3.75%$1k-17 Month Share Certificate Special - New Money Only
3.70%$2.5k-30 Month Bronze Share Certificate
3.65%$90k-24 Month Jumbo Share Certificate
3.60%$50k-24 Month Gold Share Certificate
3.55%$20k-24 Month Silver Share Certificate
3.50%$2.5k-24 Month Bronze Share Certificate
3.40%$90k-18 Month Jumbo Share Certificate
3.35%$50k-18 Month Gold Share Certificate
3.30%$20k-18 Month Silver Share Certificate
3.25%$2.5k-18 Month Bronze Share Certificate
3.15%$90k-12 Month Jumbo Share Certificate
3.10%$50k-12 Month Gold Share Certificate
3.05%$20k-12 Month Silver Share Certificate
3.00%$2.5k-12 Month Bronze Share Certificate
2.90%$90k-9 Month Jumbo Share Certificate
2.85%$50k-9 Month Gold Share Certificate
2.80%$20k-9 Month Silver Share Certificate
2.75%$2.5k-9 Month Bronze Share Certificate
2.65%$90k-6 Month Jumbo Share Certificate
2.60%$50k-6 Month Gold Share Certificate
2.55%$20k-6 Month Silver Share Certificate
2.50%$2.5k-6 Month Bronze Share Certificate
2.15%$90k-3 Month Jumbo Share Certificate
2.10%$50k-3 Month Gold Share Certificate
2.05%$1k-3 Month Silver Share Certificate
2.00%$1k-3 Month Bronze Share Certificate

LBS Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$90k-30 Month Jumbo IRA
3.80%$50k-30 Month Gold IRA
3.75%$20k-30 Month Silver IRA
3.70%$100-30 Month Bronze IRA
3.65%$90k-24 Month Jumbo IRA
3.60%$50k-24 Month Gold IRA
3.55%$20k-24 Month Silver IRA
3.50%$100-24 Month Bronze IRA
3.40%$90k-18 Month Jumbo IRA
3.35%$50k-18 Month Gold IRA
3.30%$20k-18 Month Silver IRA
3.25%$100-18 Month Bronze IRA
3.15%$90k-12 Month Jumbo IRA
3.10%$50k-12 Month Gold IRA
3.05%$20k-12 Month Silver IRA
3.00%$100-12 Month Bronze IRA
2.65%$90k-6 Month Jumbo IRA
2.60%$50k-6 Month Gold IRA
2.55%$20k-6 Month Silver IRA
2.50%$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
Branch Office6457 E Pacific Coast HwyLong Beach, CA 90803

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