Credit union · NCUA insured
Lutheran FCU
A $39.6M credit union headquartered in St. Louis, MO, with 4,471 members. Best rates: CDs 3.82% and savings 0.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards.
- CDs—3.82%CD rates →
- Savings—0.75%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lutheran FCU
Lutheran FCU serves the Lutheran Church - Missouri Synod (LCMS) community as its credit union.
- Headquarters
- 10733 Sunset Office Dr Ste 406, St. Louis, MO 63127-1024
- NCUA charter
- 24861
Branches
Branches
No public branch offices are listed in the regulator directory.
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 | 9.02% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.92% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $51 | $59 | — |
- CapitalNet worth ratio9.02%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$51Peers’ 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 Lutheran FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.