Credit union · NCUA insured
Lauderdale County Teachers Credit Union
A $38.4M credit union headquartered in Florence, AL, with 1,963 members and 1 branch in Alabama. Best rates: CDs 4.16% and savings 0.10% APY.
Lauderdale County Teachers Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#5 of 13 in Florence, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lauderdale County Teachers Credit Union
Established for more than 60 years by school employees, Lauderdale County Teachers Credit Union is headquartered in Florence, Alabama.
- Headquarters
- 103 Mangum St, Florence, AL 35630-1559
- NCUA charter
- 61944
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Military, government and schools
- Employees of Heritage Christian University are eligible for membership.
- Employees of the Lauderdale County School Board of Education are eligible for membership.
- Employees of Mars Hill Bible School are eligible for membership.
- Retired persons from another teachers school system are eligible for membership.
- Employees of Riverhill School are eligible for membership.
2 more ways to join
Military, government and schools
- Employees of Shoals Christian School are eligible for membership.
Family and household
- Immediate family members of eligible employees are eligible for membership.
Cost to join
- A $5.00 deposit in a share account is required to become a member of the Credit Union.
Branches
1 branch in Alabama
Loading map…
Alabama
1 branch
- Main OfficeMain office103 Mangum St, Florence, AL 35630Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.80% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.59% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $37 | $59 | — |
- CapitalNet worth ratio12.80%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.59%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$37Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Lauderdale County Teachers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.