Lcra

austin, Texas
Last verified: July 11, 2026

As of July 11, 2026, Lcra offers a ira_cd_24mo mortgage at 3.25% APR (3.25% rate, 0 points). Auto loans available from 4.25% APR. Personal loan rates from 3% APR.

Source: RateAPI.dev, verified from Lcra's official website

Who Can Join Lcra

Membership eligibility from Lcra's own published criteria. How we verify this.

Membership via employers (Lower Colorado River Authority +4 more) or the Colorado River Foundation

Cost to join: About $5.

Verified from Lcra's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

ira_cd_24mo
3.250% APR
Rate3.250%
Points0
24 Month Regular/ IRA Term Certificate
ira_cd_12mo
3.750% APR
Rate3.750%
Points0
12 Month Regular/ IRA Term Certificate
ira_cd_18mo
3.750% APR
Rate3.750%
Points0
18 Month Regular/ IRA Term Certificate
ira_cd_6mo
3.950% APR
Rate3.950%
Points0
6 Month Regular/ IRA Term Certificate

Auto Loan Rates

Rates as of July 11, 2026

auto
4.250% APR
Rate4.250%
Vehicle Loans - Tier A+
auto
5.250% APR
Rate5.250%
Vehicle Loans - Tier A
auto
6.250% APR
Rate6.250%
Vehicle Loans - Tier B
auto
6.500% APR
Rate6.500%
RV/Camper/Boat/Motorcycle/ATV/Other Collateral Loans - Tier A+
auto
7.000% APR
Rate7.000%
RV/Camper/Boat/Motorcycle/ATV/Other Collateral Loans - Tier A
auto
7.750% APR
Rate7.750%
Vehicle Loans - Tier C
auto
8.000% APR
Rate8.000%
RV/Camper/Boat/Motorcycle/ATV/Other Collateral Loans - Tier B
credit_card
9.900% APR
Rate9.900%
MasterCard Gold
credit_card
11.900% APR
Rate11.900%
MasterCard
auto
12.250% APR
Rate12.250%
Vehicle Loans - Tier D
auto
13.000% APR
Rate13.000%
RV/Camper/Boat/Motorcycle/ATV/Other Collateral Loans - Tier C
auto
13.250% APR
Rate13.250%
RV/Camper/Boat/Motorcycle/ATV/Other Collateral Loans - Tier D
auto
16.000% APR
Rate16.000%
Vehicle Loans - Tier E

Personal Loan Rates

Rates as of July 11, 2026

personal_secured
3.000% APR
Rate3.000%
Shared Secured
personal_unsecured
11.250% APR
Rate11.250%
Personal Loans - Tier A+
personal_unsecured
12.500% APR
Rate12.500%
Personal Loans - Tier A
personal_unsecured
13.250% APR
Rate13.250%
Personal Loans - Tier B
personal_unsecured
16.250% APR
Rate16.250%
Personal Loans - Tier C
personal_unsecured
17.250% APR
Rate17.250%
Personal Loans - Tier D

Frequently Asked Questions

What rates does Lcra offer?

Lcra currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Lcra rates updated?

RateAPI verifies Lcra's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Lcra's rate data?

Rate data is collected directly from Lcra's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Lcra's mortgage rate?

As of July 11, 2026, Lcra offers a ira_cd_24mo mortgage at 3.25% APR.

What is Lcra's auto loan rate?

As of July 11, 2026, Lcra offers auto loans from 4.25% APR.

Related Rate Data

Compare Lcra's rates against national credit-union benchmarks.

More Texas credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Lcra
curl "https://api.rateapi.dev/credit-unions/texas/lcra" \
  -H "Authorization: Bearer YOUR_API_KEY"
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