Labor Management Federal Credit Union

Headquarters

8225 U S Highway 60 W, Po Box 475
Lewisport, KY 42351
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Notable Rates	APY	Vs.Others
Savings	0.30%	4.45% →
1-Year CD	0.60%	4.59% →
2-Year CD	0.75%	4.00% →
5-Year CD	1.26%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Labor Management is an NCUA insured institution located in Lewisport, KY. It was founded in 1974 and has approximately $28.99 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 21853
Date Established	1974
Assets	$28.99 million
Loans	$20.32 million
Deposits	$25.02 million
Capital	$3.95 million

Deposit Rates - December 17, 2025

Your Current Location: Utah, UT 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.30%	$2,500	$4,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.80%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.80%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.26%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.26%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	1.11%	$1	$499	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.30%	$1	$99	Learn MoreShow Less
Int Ckg	0.30%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 17, 2025

Your Current Location: Utah, UT 10007

There are currently no loan rates available for Labor Management

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Utah 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2022461	5.680%	5.500%	1.00	$6,496	$1,817	Learn More
NMLS ID: 3138	6.083%	5.990%	1.00	$3,200	$1,917	Learn More
NMLS ID: 401822	6.128%	6.000%	0.75	$4,395	$1,919	Learn More

See More Mortgage Rates →

Featured - Utah Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

See More Home Equity Rates →

Note to Labor Management
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Branches

Below are Labor Management branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Tooele,Utah

Labor Management Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
LABOR MANAGEMENT FCU	1359.18	A	View Lobby Hours

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Climate Policy and Initiatives

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Financial Details

Labor Management Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Labor Management. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Labor Management	U.S. Average
0.95%	5.63

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2025, Labor Management had $26,672 in non-current loans and $10,725 in owned assets. To cover these potential losses it had $3,954,046 in net worth and $-4,418 in loans loss reserves. That gives it a Texas Ratio of 0.95%.

Net Worth

Labor Management	U.S. Average
13.63%	14.29%

Labor Management FCU has a net worth of 13.63% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Labor Management

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