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LCRA Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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 256th largest credit union in the state of Texas. It is also the 3,186th 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
B

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 Chartered1940
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD0.96%
Annual Interest Income$227K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$20.9MM$21.9MM
LoansQ1 2025vs Q1 2024$10.6MM$14.9MM
DepositsQ1 2025vs Q1 2024$17.6MM$18.2MM
Equity CapitalQ1 2025vs Q1 2024$3.2MM$3.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$40K$67K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$126K$45K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
APY APY = Annual Percentage Yield Rates as of 7/1/2025
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
Bonus Amount
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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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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