Lu 354 I B E W Federal Credit Union

Headquarters

3405 W 1987 S
Salt Lake City, UT 84104
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Lu 354 I B E W is an NCUA insured institution located in Salt Lake City, UT. It was founded in 1954 and has approximately $37.8 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 9398
Date Established	1954
Assets	$37.80 million
Loans	$30.14 million
Deposits	$32.15 million
Capital	$5.76 million

Deposit Rates - April 16, 2025

Your Current Location: Georgia, GA 10007

We do not yet have rates for Lu 354 I B E W

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Loan Rates - April 16, 2025

Your Current Location: Georgia, GA 10007

There are currently no loan rates available for Lu 354 I B E W

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Georgia 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.604%	6.490%	1.00	$3,817	$2,021	Learn More
NMLS ID: 401822	6.782%	6.625%	1.00	$5,195	$2,049	Learn More
NMLS ID: 6606	6.845%	6.750%	1.00	$3,110	$2,076	Learn More
NMLS ID: 3030	7.602%	7.500%	1.00	$3,200	$2,238	Learn More

See More Mortgage Rates →

Featured - Georgia Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

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Branches

Below are Lu 354 I B E W branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Americus,Georgia

Lu 354 I B E W Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
CMC	1581.26	A	View Lobby Hours
IBEW LOCAL 354	1587.86	B	View Lobby Hours
Credit Union Office	1587.88	C	View Lobby Hours

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Climate Policy and Initiatives

LU 354 I B E W is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Lu 354 I B E W Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Lu 354 I B E W. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Lu 354 I B E W	U.S. Average
13.42%	7.07

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2024, Lu 354 I B E W had $728,212 in non-current loans and $56,750 in owned assets. To cover these potential losses it had $5,756,572 in net worth and $92,219 in loans loss reserves. That gives it a Texas Ratio of 13.42%.

Net Worth

Lu 354 I B E W	U.S. Average
15.22%	14.25%

Lu 354 I B E W FCU has a net worth of 15.22% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Lu 354 I B E W

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