--- title: "Lauderdale County Teachers Credit Union Rates - Alabama" description: "Current savings & cd rates from Lauderdale County Teachers Credit Union in Alabama. Updated daily with source verification. See who can join Lauderdale County Teachers Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/alabama/lauderdale-county-teachers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Lauderdale County Teachers Credit Union Rates - Alabama ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Account Rates (Share Draft (Checking))** checking | — APY | 0.10% | — | Standard | | **Account Rates (Regular Share (Savings))** savings | — APY | 0.10% | — | Standard | | **IRA** ira | — APY | 0.10% | — | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.50% | 24 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.50% | 6 mo | Standard | | **24-Month IRA** ira | — APY | 2.50% | 24 mo | Standard | | **6-Month IRA** ira | — APY | 2.50% | 6 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.75% | 60 mo | Standard | | **60-Month IRA** ira | — APY | 2.75% | 60 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.75% | 18 mo | Standard | | **18-Month IRA** ira | — APY | 3.75% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 4.10% | 12 mo | Standard | | **12-Month IRA** ira | — APY | 4.10% | 12 mo | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.25% | 72 mo | Standard | Lauderdale County Teachers Credit Union savings & cd rates as of November 12, 2026 ### Other rates 9 offers | Product | Published | Rate | Term / condition | Status | | **USED (2010 - 2015) (Up to 48 months)** other | — % | 5.250% | — | Standard | | **CREDIT SCORE OF 700+ CAN LOAN UP TO 90% OF RETAIL (60 - 72 Months)** other | — % | 5.250% | — | Standard | | **Credit score of 600+ (72 Months)** other | — % | 5.250% | — | Standard | | **Credit score of 600+ (60 Months)** other | — % | 5.250% | — | Standard | | **Credit score of 600+ (84 Months)** other | — % | 6.250% | — | Standard | | **With a maximum loan of $49,000.00 (60 Months)** other | — % | 6.750% | — | Standard | | **With a maximum loan of $49,000.00 (72 Months)** other | — % | 6.950% | — | Standard | | **Minimum credit score of 600 + (Up to 48 Months)** other | — % | 7.000% | — | Standard | | **9 years and older from the oldest used year model (48 Months)** other | — % | 7.250% | — | Standard | Lauderdale County Teachers Credit Union other rates as of November 12, 2026 Lauderdale County Teachers Credit Union is a credit union in Alabama. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/alabama/lauderdale-county-teachers) , verified from [Lauderdale County Teachers Credit Union's official website](https://www.lctcu.org/) Loading branch locator… ## About Lauderdale County Teachers Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2K Assets $38.4M Founded 1956 Locations reported 2 NCUA charter 61944 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Florence** Florence Federal Credit Union · Florence · AL · 35630-2285 Branch in the same ZIP](https://rateapi.dev/credit-unions/alabama/florence) [**Alabama Central** Florence · Florence · AL · 35630-6717 About 0.4 miles away](https://rateapi.dev/credit-unions/alabama/alabama-central) [**Champion Community** CCCU - Florence Branch · Florence · AL · 35630-1432 About 0.6 miles away](https://rateapi.dev/credit-unions/alabama/champion-community) [**Tva Community Credit Union** Mall Drive Branch · Florence · AL · 35630-1580 About 1.6 miles away](https://rateapi.dev/credit-unions/alabama/tva-community-credit-union) [**Listerhill** UNA · Florence · AL · 35632-0002 About 1.7 miles away](https://rateapi.dev/credit-unions/alabama/listerhill) [**Valley** VALLEY CREDIT UNION · FLORENCE · AL · 35630 About 2.1 miles away](https://rateapi.dev/credit-unions/alabama/valley) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Lauderdale County Teachers Credit Union Membership eligibility from Lauderdale County Teachers Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Lauderdale County Teachers Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Mars Hill Bible School Verified from [Lauderdale County Teachers Credit Union's membership page](https://www.lctcu.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for Lauderdale County Teachers Credit Union Employers 2 · Family 3 published paths to membership, last verified August 27, 2026, quoted from Lauderdale County Teachers Credit Union’s own published criteria. ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of school “All employees of Mars Hill Bible School” > [source ↗](https://www.lctcu.org/membership) - Employee of school - Belongs to another teachers school system (as written on the source page) “Any retired persons from another teachers school system” > [source ↗](https://www.lctcu.org/membership) - Retiree of another teachers school system (class, not a named organization) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Immediate family members are eligible for membership also.” > [source ↗](https://www.lctcu.org/membership) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Lauderdale County Teachers Credit Union? Yes No ## Work at Lauderdale County Teachers Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Lauderdale County Teachers Credit Union ranks against Alabama peers. - See which AI assistants fetched Lauderdale County Teachers Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Alabama - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=lauderdale-county-teachers&state=alabama&code=AL&name=Lauderdale%20County%20Teachers%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Lauderdale County Teachers Credit Union offer? Lauderdale County Teachers Credit Union is a credit union in Alabama. Rate data is currently being verified. ### How often are Lauderdale County Teachers Credit Union rates updated? RateAPI verifies Lauderdale County Teachers Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Lauderdale County Teachers Credit Union's rate data? Rate data is collected directly from Lauderdale County Teachers Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Lauderdale County Teachers Credit Union? Lauderdale County Teachers Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Lauderdale County Teachers Credit Union, each quoted from Lauderdale County Teachers Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Lauderdale County Teachers Credit Union's rates against national credit-union benchmarks. [More Alabama credit unions](https://rateapi.dev/credit-unions/alabama) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.lctcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Lauderdale County Teachers Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Alabama credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Lauderdale County Teachers Credit Union curl "https://api.rateapi.dev/credit-unions/alabama /lauderdale-county-teachers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Lauderdale County Teachers Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/alabama/lauderdale-county-teachers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp