Credit union · NCUA insured
LBS Financial Savings Rates
LBS Financial’s best savings rate is 0.70% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How LBS Financial’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where LBS Financial has the most branches. $10,000, best rate first.
This credit union’s best
LBS Financial
0.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $70
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
LBS Financial savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.30%
- QualifiedQualified0.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where LBS Financial ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Summer Savings Accounts
6.00%APY
Available to LBS Financial Members who are current or retired classified or certificated school or college employees with direct deposit via payroll, CalSTRS, or CalPERS. Maximum monthly deposit is $2,000. Remaining funds automatically transfer to Savings or Checking on September 1st each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit to earn the rate and APY. Maximum monthly deposit of $2,000 via eligible payroll/retirement direct deposit, with a one-time catch up provision of up to $2,000 at account opening. Dividends paid based on average daily balance on the entire balance.Any balance | 6.00% | $600 | No minimum deposit to earn the rate and APY. Maximum monthly deposit of $2,000 via eligible payroll/retirement direct deposit, with a one-time catch up provision of up to $2,000 at account opening. Dividends paid based on average daily balance on the entire balance. |
Sources (3)
- lbsfcu.org/accounts/checking/c…ng-account/free-checking
- lbsfcu.org/accounts/savings/savings-account
- lbsfcu.org/summersavings
All captured Oct 6, 2026
Money Market
Up to 0.70%APY
Five rate tiers; earn more based on deposit level. No term restrictions. Dividend rate and APY are paid on the entire balance in the account. Dividend rate and APY may change at any time without notice. Funds insured to at least $250,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance Below $2,500. Anticipated Dividend Rate 0.10%, Anticipated APY 0.10%. Dividend rate and APY are paid on the entire balance in the account. | 0.10% | $10 | Balance Below $2,500. Anticipated Dividend Rate 0.10%, Anticipated APY 0.10%. Dividend rate and APY are paid on the entire balance in the account. |
| $2,500 – $24,999Balance $2,500 to $24,999. Anticipated Dividend Rate 0.70%, Anticipated APY 0.70%. Dividend rate and APY are paid on the entire balance in the account. | 0.70% | $70 | Balance $2,500 to $24,999. Anticipated Dividend Rate 0.70%, Anticipated APY 0.70%. Dividend rate and APY are paid on the entire balance in the account. |
| $25,000 – $49,999Balance $25,000 to $49,999. Anticipated Dividend Rate 0.80%, Anticipated APY 0.80%. Dividend rate and APY are paid on the entire balance in the account. | 0.80% | — | Balance $25,000 to $49,999. Anticipated Dividend Rate 0.80%, Anticipated APY 0.80%. Dividend rate and APY are paid on the entire balance in the account. |
| $50,000 – $99,999Balance $50,000 to $99,999. Anticipated Dividend Rate 0.90%, Anticipated APY 0.90%. Dividend rate and APY are paid on the entire balance in the account. | 0.90% | — | Balance $50,000 to $99,999. Anticipated Dividend Rate 0.90%, Anticipated APY 0.90%. Dividend rate and APY are paid on the entire balance in the account. |
| $100,000 and upBalance $100,000 and above. Anticipated Dividend Rate 1.29%, Anticipated APY 1.30%. Dividend rate and APY are paid on the entire balance in the account. | 1.30% | — | Balance $100,000 and above. Anticipated Dividend Rate 1.29%, Anticipated APY 1.30%. Dividend rate and APY are paid on the entire balance in the account. |
Sources (1)
- lbsfcu.org/accounts/savings/money-market · captured Oct 6, 2026
Share Savings
0.10%APY
All Members must have a Share Savings account and maintain a minimum balance of $5 to maintain Membership in the Credit Union. Open with $5 minimum deposit plus a $1 one-time membership fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account.Any balance | 0.10% | $10 | Dividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account. |
Special Savings Account
0.10%APY
Members can open up to four Special Savings accounts (in addition to Share Savings) and nickname them for savings goals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account.Any balance | 0.10% | $10 | Dividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Sub/Savings Accounts
0.10%APY
Must open an IRA Share account with $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account.Any balance | 0.10% | $10 | Dividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account. |
Sources (2)
All captured Oct 6, 2026
Teen Savings
0.10%APY
For teens ages 13-17. Requires parent/legal guardian as joint owner. Minimum opening deposit of $5 plus a $1 one-time membership fee per Member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account.Any balance | 0.10% | $10 | Dividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account. |
Sources (2)
- lbsfcu.org/accounts/checking/c…ng-account/free-checking
- lbsfcu.org/accounts/college-yo…ngs-and-checking-account
All captured Oct 6, 2026
Youth Savings
0.10%APY
For children ages 0-12. Requires parent/legal guardian as joint owner. Minimum opening deposit of $5 plus a $1 one-time membership fee per Member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account.Any balance | 0.10% | $10 | Dividends are paid based on the average daily balance. APY and dividend rate are paid on the entire balance in the account. |
Sources (2)
- lbsfcu.org/accounts/checking/c…ng-account/free-checking
- lbsfcu.org/accounts/college-youth/youth-savings-account
All captured Oct 6, 2026
Who can join LBS Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Orange, Riverside, San Diego, or San Bernardino counties, or in designated cities within Los Angeles County.
Employers and groups
- Employees of participating select employer groups and qualifying organizations are eligible for membership.
Military, government and schools
- Employees of specified schools, school districts, and associated educational organizations are eligible for membership.
- Students, CSULB alumni association members, and family members of students attending CSULB, Cerritos Community College, or Long Beach City College are eligible for membership.
Family and household
- Immediate family members (parent, child, spouse/domestic partner, sibling, grandparent, grandchild, step, or adoptive relation) of existing members are eligible for membership.
Other ways
- California residents and workers who do not otherwise qualify may join LBS Financial by joining the Financial Fitness Association for an additional one-time fee of $8.00.
Cost to join
- Maintain a minimum $5 share deposit in a Share Savings account to establish and maintain membership.
- A one-time membership fee of $1 per Member is required to join.
Membership information collected October 5, 2026.