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LCRA Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 254th largest credit union in the state of Texas. It is also the 3,183rd largest credit union in the nation. It was established in 1940 and as of December of 2024, it had grown to 5 employees and 2,159 members at 2 locations. LCRA Credit Union's CD rates are 4X the national average, and it has a C+ 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
C+

Data as of Q4 2024

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 Chartered1940
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD3.04%
Annual Interest Income$956K
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$21.2MM$22.3MM
LoansQ4 2024vs Q4 2023$11.5MM$15.5MM
DepositsQ4 2024vs Q4 2023$17.9MM$18.6MM
Equity CapitalQ4 2024vs Q4 2023$3.2MM$3.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$56K$64K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$207K$89K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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LCRA Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1k-Power Checking Account

LCRA Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office3505 Montopolis Dr Bldg AAustin, TX 78744
Branch Office104 E State Highway 71 BypLa Grange, TX 78945-4445

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