PO BOX 4860
Long Beach, CA 90804
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.60% →
1-Year CD 1.15% 1.35% →
2-Year CD 1.25% 1.45% →
5-Year CD 1.40% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 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 $1510.43 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
Charter Number # # 68460
Date Established 1935
Assets $1,510.43 million
Loans $1,093.30 million
Deposits $1,298.97 million
Capital $207.89 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 - June 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $100 - Learn More
Money Market
0.20% $2,500 $24,999 Learn More
Money Market
0.30% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.50% $2,500 $19,999 Learn More
3 Mo CD
0.65% $90,000 - Learn More
6 Mo CD
0.75% $2,500 $19,999 Learn More
6 Mo CD
0.90% $90,000 - Learn More
12 Mo CD
1.01% $2,500 $19,999 Learn More
12 Mo CD
1.15% $90,000 - Learn More
18 Mo CD
1.05% $2,500 $19,999 Learn More
18 Mo CD
1.20% $90,000 - Learn More
24 Mo CD
1.10% $2,500 $19,999 Learn More
24 Mo CD
1.25% $90,000 - Learn More
30 Mo CD
1.15% $2,500 $19,999 Learn More
30 Mo CD
1.30% $90,000 - Learn More
36 Mo CD
1.15% $2,500 $19,999 Learn More
36 Mo CD
1.30% $90,000 - Learn More
48 Mo CD
1.20% $2,500 $19,999 Learn More
48 Mo CD
1.35% $90,000 - Learn More
60 Mo CD
1.25% $2,500 $19,999 Learn More
60 Mo CD
1.40% $90,000 - Learn More
Variable IRA Rates APY MIN MAX
0.10% $5 - Learn MoreShow Less
Fixed IRA
1.01% $100 $19,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $20 - Learn MoreShow Less

Loan Rates - June 4, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More
First Internet Bank
NMLS ID: 424182
3.184% 3.125% 0.75 $1,878 $1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info

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


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:

Lbs Financial Locations

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
4.18% 5.92

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 September 30, 2019, Lbs Financial had $8,440,239 in non-current loans and $430,070 in owned assets. To cover these potential losses it had $207,889,962 in net worth and $4,303,986 in loans loss reserves. That gives it a Texas Ratio of 4.18%.

Net Worth
Lbs Financial U.S. Average
13.76% 13.86%

Lbs Financial FCU has a net worth of 13.76% versus the BestCashCow average of 13.86. 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 Lbs Financial

Branches and Savings

What is Lbs Financial?

A federal credit union, registered with the NCUA under certificate #68460.
Learn more about credit unions here.

Is Lbs Financial FDIC insured?

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

Who can join Lbs Financial?

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

What are Lbs Financial's share account and share certificate rates?

Lbs Financial'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 Lbs Financial?

Lbs Financial has total capital of $207.89 million. Full information on Lbs Financial's financial position is located above.

Who owns Lbs Financial?

Credit Unions are owned by their members.

Where are Lbs Financial branches located?

See branch locations nearby.

Are Lbs Financial ATMs Open 24/7?

Do Lbs Financial ATMs accept cash deposits?

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

Does Lbs Financial have a mobile app?

Does Lbs Financial have mobile deposit?

Does Lbs Financial have quick pay?

How can Lbs Financial transfer money to other banks or credit unions?

Does Lbs Financial report to credit bureaus?

Does Lbs Financial use Chexsystems?

Does Lbs Financial use Equifax?

What is Lbs Financial's toll free phone number?

What is Lbs Financial's ACH Routing Number?

What is Lbs Financial's SWIFT code?

Where can I find Lbs Financial's wire transfer form?

What is the Lbs Financial address for deposits?

What Products Does Lbs Financial Offer

Does Lbs Financial offer mortgages?

Compare mortgage rates here.

Does Lbs Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Lbs Financial offer auto and RV loans?

Compare auto loan rates here.

Does Lbs Financial offer student loans or personal loans?

Compare personal loan rates here.

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