Lbs Financial Credit Union

Headquarters

Po Box 4860
Long Beach, CA 90804
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 3.50% →
1-Year CD 0.60% 3.70% →
2-Year CD 0.80% 3.80% →
5-Year CD 1.15% 4.25% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Lbs Financial is an NCUA insured institution located in Long Beach, CA. It was founded in 1935 and has approximately $2030.36 millions in assets.

Who can join?

You are eligible to become a Member of LBS Financial Credit Union if you reside or work in the Counties of Orange, Riverside, San Diego or San Bernardino; or the following Los Angeles County cities: Artesia, Avalon, Azusa, Baldwin Park, Bellflower, Carson, Cerritos, City of Industry, Claremont, Compton, Covina, Diamond Bar, Downey, El Segundo, Gardena, Glendora, Hacienda Heights, Harbor City, Hawaiian Gardens, Hawthorne, Hermosa Beach, Irwindale, La Habra Heights, Lakewood, La Mirada, La Puente, La Verne, Lawndale, Lomita, Long Beach, Los Nietos, Manhattan Beach, Norwalk, Palos Verdes Estates, Paramount, Pomona, Rancho Dominguez, Rancho Palos Verdes, Redondo Beach, Rolling Hills Estates, Rolling Hills, Rowland Heights, San Dimas, San Pedro, Santa Fe Springs, Signal Hill, Torrance, Walnut, West Covina, Whittier and Wilmington.

Employees currently employed or retired from one of the following school districts are eligible to join along with their family members:

ABC Unified School District
Bellflower Unified School District
California State University, Long Beach
California State University, Long Beach Alumni Association
Cerritos Community College
Concorde Career Institute, Garden Grove, CA
Long Beach City College
Long Beach School for Adults
Long Beach Unified School District
Norwalk-La Mirada School District

You may also qualify for Membership if one of your family members is already a Member of LBS Financial Credit Union.

If you live or work in California, but don’t qualify for Membership based on the above geographic eligibility or family relation, you may join the Financial Fitness Association to become a Member of LBS Financial for an extra $5.00

NCUA Insured Yes / State-Chartered
Charter Number # # 68460
Date Established 1935
Assets $2,030.36 million
Loans $1,101.55 million
Deposits $1,793.98 million
Capital $236.34 million
 

Field of Membership Restrictions

Membership in LBS Financial Credit Union is open to anyone who lives or works in California through joining the Financial Fitness Association through the credit union ($8 membership fee). Membership is also open to the following: (1) those who live or work in Orange, Riverside, San Diego or San Bernardino Counties in California and select cities in Los Angeles County; (2) employees or retirees of ABC Unified School District, California State University (Long Beach), Cerritos Community College, Long Beach City College, Long Beach Unified School District, Norwalk-La Mirada School District, Long Beach School for Adults, Concorde Career Institute, or Bellflower Unified School District.

Deposit Rates - October 1, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.70% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
1.01% $100,000 $199,999 Learn More
60 Mo CD
1.01% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 1, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for LBS FINANCIAL

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



Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 413-0477
6.477% 6.375% 0.63 $2,678 $1,560 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
Learn More
Eligibility.org
NMLS ID: 1907
Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
5.740 %
After Intro: 7.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to LBS FINANCIAL
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Lbs Financial 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:
San Diego,California


Lbs Financial Locations



Climate Initiatives

LBS FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Lbs Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lbs Financial. 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
Lbs Financial U.S. Average
2.48% 4.75

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 March 31, 2022, Lbs Financial had $5,614,050 in non-current loans and $384,464 in owned assets. To cover these potential losses it had $236,342,931 in net worth and $5,134,900 in loans loss reserves. That gives it a Texas Ratio of 2.48%.

Net Worth
Lbs Financial U.S. Average
11.64% 12.28%

Lbs Financial FCU has a net worth of 11.64% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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