Credit union · NCUA insured
LCE FCU
Top CarrotA $71.1M credit union headquartered in Painesville, OH, with 5,656 members and 2 branches in Ohio. Best rates: CDs 4.06% and savings 0.50% APY.
LCE FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#10 of 60 in Cleveland, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About LCE FCU
LCE Federal Credit Union was chartered in July 1960 in Painesville, Ohio, originally established to serve Lake County employees and their immediate family members.
Today, the member-owned financial cooperative serves all of Lake, Ashtabula, and Geauga Counties.
- Headquarters
- 77 N Saint Clair St, Painesville, OH 44077
- NCUA charter
- 13885
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Lake, Geauga, and Ashtabula County, Ohio.
Cost to join
- A minimum savings deposit of $10.00 is required to open an account.
Branches
2 branches in Ohio
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Ohio
2 branches
- L C E Federal Credit UnionMain office77 N Saint Clair St, Painesville, OH 44077Directions
- LCE Federal Credit Union Mentor Office8356 Munson Rd, Mentor, OH 44060Directions
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 | 10.34% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.54% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.01% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $50 | $59 | — |
- CapitalNet worth ratio10.34%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.54%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.01%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$50Peers’ 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 LCE FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.