LCRA Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

lcracu.com

737-212-0030

3505 Montopolis Dr Bldg A
Austin, TX 78744

LCRA Credit Union is headquartered in Austin and is the 256^th largest credit union in the state of Texas. It is also the 3,186^th largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 5 employees and 2,140 members at 2 locations. LCRA Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

LCRA Credit Union is open to those who live, work, worship, or attend school within a 10-mile radius of the LCRA Credit Union office in Austin, Texas. Membership is also open to employees and board members of the Lower Colorado River Authority and its subsidiaries, San Bernard Electric Coop, the Housing Authority of the City of Luling, Members and Friends of the Colorado River Foundation..
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

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. LCRA Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	67537
Year Chartered	1940
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.15%
Return on Equity - YTD	0.96%
Annual Interest Income	$227K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$20.9MM$21.9MM
Loans	Q1 2025vs Q1 2024	$10.6MM$14.9MM
Deposits	Q1 2025vs Q1 2024	$17.6MM$18.2MM
Equity Capital	Q1 2025vs Q1 2024	$3.2MM$3.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$40K$67K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$126K$45K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD
IRA

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LCRA Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$0	-	IRA Share Account
0.15%	$300	-	Membership Account
0.15%	$300	-	Regular Saving Account
0.15%	$5	-	Kid's Club Account
0.15%	$5	-	Christmas Club Account

LCRA Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	$1k	-	Power Checking Account

LCRA Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.95%	$500	-	6 Month Share Certificate
3.75%	$500	-	12 Month Share Certificate
3.75%	$500	-	18 Month Share Certificate
3.25%	$500	-	24 Month Share Certificate

LCRA Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.95%	$500	-	6 Month IRA
3.75%	$500	-	12 Month IRA
3.75%	$500	-	18 Month IRA
3.25%	$500	-	24 Month IRA

Locations

LCRA Credit Union Locations
Branch Office	3505 Montopolis Dr Bldg A	Austin, TX 78744
Branch Office	104 E State Highway 71 Byp	La Grange, TX 78945-4445

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