5024 Queens Blvd
Woodside, NY 11377
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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

Lomto is an NCUA insured institution located in Woodside, NY. It was founded in 1936 and has approximately $156.16 millions in assets.

Who can join?

Family members of existing LOMTO FCU Members, as well as members of LOMTO Inc., are eligible to be members of our credit union. In addition, certain areas of the west side of Manhattan are included in our field of membership. People who live, work, worship, attend school, businesses and other legal entities in this area are eligible for membership.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1532
Date Established 1936
Assets $156.16 million
Loans $127.74 million
Deposits $111.09 million
Capital $-54.00 million

Field of Membership Restrictions

Membership in LOMTO Federal Credit Union is open to those who live, work, worship or attend school in certain areas of the west side of Manhattan and to immediate family of existing members.

Deposit Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

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Loan Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for LOMTO

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 1907
2.836% 2.750% 0.13 $2,812 $1,021 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Note to LOMTO
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Below are Lomto 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

Lomto Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lomto. 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
Lomto U.S. Average
-144.03% 4.38

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, 2021, Lomto had $20,401,010 in non-current loans and $19,532,915 in owned assets. To cover these potential losses it had $-53,995,419 in net worth and $26,268,552 in loans loss reserves. That gives it a Texas Ratio of -144.03%.

Net Worth
Lomto U.S. Average
-34.57% 12.20%

Lomto FCU has a net worth of -34.57% versus the BestCashCow average of 12.20. 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 Lomto

Branches and Savings

What is Lomto?

A federal credit union, registered with the NCUA under certificate #1532.
Learn more about credit unions here.

Is Lomto 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. Lomto is insured by the NCUA.

Who can join Lomto?

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

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

Lomto'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 Lomto?

Lomto has total capital of $-54.00 million. Full information on Lomto's financial position is located above.

Who owns Lomto?

Credit Unions are owned by their members.

Where are Lomto branches located?

See branch locations nearby.

Are Lomto ATMs Open 24/7?

Do Lomto ATMs accept cash deposits?

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

Does Lomto have a mobile app?

Does Lomto have mobile deposit?

Does Lomto have quick pay?

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

Does Lomto report to credit bureaus?

Does Lomto use Chexsystems?

Does Lomto use Equifax?

What is Lomto's toll free phone number?

What is Lomto's ACH Routing Number?

What is Lomto's SWIFT code?

Where can I find Lomto's wire transfer form?

What is the Lomto address for deposits?

What Products Does Lomto Offer

Does Lomto offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Lomto offer auto and RV loans?

Compare auto loan rates here.

Does Lomto offer student loans or personal loans?

Compare personal loan rates here.

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