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Lutheran Credit Union Share
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Overview Share
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Lutheran Credit Union is a federal credit union based in Saint Louis, Missouri. It has been opened since 2014, for 8 years.

With around $20,150,000 in assets, Lutheran Credit Union is considered to be a medium size credit union.

About Share
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Address 10733 Sunset Office Drive Suite 406
Saint Louis, Missouri 63127
Website http://www.lutheranfcu.org
Phone (314) 394-2790
Fax (314) 394-2799
CEO Ken Krueger
President of the Board Michael Kzirian
Services Offered
Score Card Share
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8 years
Years in business
Opened in 2014
Well Capitalized
Net worth classification
Source: NCUA
3,422 members
Membership type: Associational – faith based
Average number of members
428:1
Credit union member to staff ratio
428 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$20,153,956
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Missouri
Average number of branches
0.13%
Savings interest rate
Compared to 0.3% nationally
9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Missouri
Average number of branches
Lutheran Credit Union Branch Locations

Lutheran Federal Credit Union Headquarters
10733 Sunset Office Drive Suite 406
Saint Louis, Missouri 63127
No ATM
Members Share
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3,422 members
Membership type: Associational – faith based
Average number of members

With 3,422 members, the Lutheran Credit Union is considered to be a medium size credit union. It is larger than 48% of credit unions.

Fees Share
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$117
Average fee per member
The average fee per member at the Lutheran Credit Union is $117, which is very high compared to most credit unions. This rate is higher than 90% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Lutheran Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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428:1
Credit union member to staff ratio
428 per each FTE employee
Compared to 411:1 nationally
Fewer staff
8 staff members
FTE (full-time equivalent)
22% of employees are part-time
7 full-time, 2 part-time

Lutheran Credit Union has 7 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 78% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Lutheran Credit Union has around 428 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$20,153,956
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,984
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 64% of credit unions.

Lutheran Credit Union holds a total of $11,090,000 in loans and leases, which is about $11,984 per member on average.

Savings interest rate Share
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0.13%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Lutheran Credit Union pays 0.13%.

Loan rates Share
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9.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
7.64%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
Car loan rates Share
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3.25%
New car loan rate
Compared to 4.0% nationally
3.25%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.00%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Lutheran Federal Credit Union Headquarters
Credit Union Branch: 10733 Sunset Office Drive Suite 406
Saint Louis, Missouri 63127 No ATM