Lauderdale County Teachers Credit Union

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A short history of Lauderdale County Teachers CU

Since its inception in 1956 the Lauderdale County Teachers Credit Union has been serving its members in the Florence, Alabama area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Sherry Fulks, the Lauderdale County Teachers CU has grown its membership to over 2,583 with assets of more than $28,608,357. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (256) 766-2936 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Florence, AL.

General Information For Lauderdale County Teachers CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 61944
Address 103 Mangum St 
City Florence 
State Alabama 
Zip-Code 35630
Phone Number (256) 766-2936
Fax Number (256) 766-2933
Email Address: none
CEO/President Sherry Fulks
Members 2,583 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 28,608,357 
Website http://www.lctcu.org 

Compare Lauderdale County Teachers Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Florence CU Florence Federal Credit Union 501 E Tennessee St 35630 (256) 766-7264 No 1.47
Electrical Workers No 558 CU Main Office 1705 E 17th St 35660 (256) 383-6551 No 3.85
Railway Employees CU Main 1604 Gusmus Ave 35662 (256) 383-7940 No 5.85
Listerhill CU MS1 3400 Woodward Ave 35661 (256) 383-1031 No 6.48
Tuscumbia CU Tuscumbia Federal 103 E 5th St 35674 (256) 383-3331 No 7.10

Lauderdale County Teachers Credit Union Financial Performance Charts


Performance Charts

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Financial Data


Lauderdale County Teachers Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 2.95 3.95 3.50 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 139 195 72 229
Rank Among All Alabama Credit Unions N/A 13 19 5 21

Lauderdale County Teachers Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.10 0.25 0.03 0.75 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 116 95 147 215 227
Rank Among All Alabama Credit Unions 8 16 24 25 23
Lauderdale County Teachers Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 10.000145354,697
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.950951,650,632
Used Vehicle Loans 3.95092661,408
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.5001167,212,201
Total Other Real Estate Loans/Lines of Credit 5.0009115,218
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.0001251,334,936
TOTAL LOANS & LEASES 58211,329,092

Lauderdale County Teachers Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 111,003,29400
    b. 15 Years or less 281,300,2351143,700
Balloon/Hybrid
    a. > 15 years 222,451,0674567,000
    b. 15 Years or less 552,457,605389,600
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 9115,21800
Open-End Fixed Rate 0000
TOTALS 1257,327,4198800,300

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Lauderdale County Teachers Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes