106 Rickey Rd
Monticello, IN 47960
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Lakes is an NCUA insured institution located in Monticello, IN. It was founded in 1956 and has approximately $23.65 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 10772
Date Established 1956
Assets $23.65 million
Loans $9.96 million
Deposits $20.93 million
Capital $2.52 million

Deposit Rates - April 23, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for Lakes

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Loan Rates - April 23, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for LAKES

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

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2.829% 2.750% 0.63 $2,560 $1,021 Learn More
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2.678% 2.625% 0.75 $1,722 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

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0.000 %
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BMO Harris Bank
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Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
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Third Federal Savings and Loan
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2.240 %
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Note to LAKES
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Below are Lakes branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Lakes Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lakes. 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
Lakes U.S. Average
6.17% 5.40

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 December 31, 2020, Lakes had $158,498 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,520,824 in net worth and $48,530 in loans loss reserves. That gives it a Texas Ratio of 6.17%.

Net Worth
Lakes U.S. Average
10.66% 12.67%

Lakes FCU has a net worth of 10.66% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Lakes

Branches and Savings

What is Lakes?

A federal credit union, registered with the NCUA under certificate #10772.
Learn more about credit unions here.

Is Lakes FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Lakes is insured by the NCUA.

Who can join Lakes?

Please see Field of Membership information above for information on who is eligible to join.

What are Lakes's share account and share certificate rates?

Lakes's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Lakes?

Lakes has total capital of $2.52 million. Full information on Lakes's financial position is located above.

Who owns Lakes?

Credit Unions are owned by their members.

Where are Lakes branches located?

See branch locations nearby.

Are Lakes ATMs Open 24/7?

Do Lakes ATMs accept cash deposits?

Can Lakes customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Lakes have a mobile app?

Does Lakes have mobile deposit?

Does Lakes have quick pay?

How can Lakes transfer money to other banks or credit unions?

Does Lakes report to credit bureaus?

Does Lakes use Chexsystems?

Does Lakes use Equifax?

What is Lakes's toll free phone number?

What is Lakes's ACH Routing Number?

What is Lakes's SWIFT code?

Where can I find Lakes's wire transfer form?

What is the Lakes address for deposits?

What Products Does Lakes Offer

Does Lakes offer mortgages?

Compare mortgage rates here.

Does Lakes offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lakes offer auto and RV loans?

Compare auto loan rates here.

Does Lakes offer student loans or personal loans?

Compare personal loan rates here.

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