--- title: "Lifetime Credit Union: #1 Mortgage in Texas" description: "Lifetime Credit Union has the lowest tracked 30-year fixed mortgage rate in Texas (5.42% APR) among 22 credit unions we verify. Lifetime Credit Union rates today: 30 year fixed mortgage 5.42% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Lifetime Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/lifetime" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Lifetime Credit Union: #1 Mortgage in Texas ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 5.423% APR | 5.250% | — | Standard | | **20-Year Fixed** 20 year fixed | 5.231% APR | 5.000% | — | Standard | Lifetime Credit Union mortgage rates as of November 13, 2026 As of November 13, 2026, Lifetime Credit Union offers a 30-year fixed mortgage at 5.423% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/lifetime) , verified from [Lifetime Credit Union's official website](https://www.lifetimefcu.org/) Best product position **#1 of 22** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **146 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Texas markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 5.42% | #1 of 22 · lowest in Texas | State market leader | 146 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Lifetime Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=lifetime&state=texas&code=TX&name=Lifetime%20Credit%20Union) Loading branch locator… ## About Lifetime Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.2K Assets $57M Founded 1949 Locations reported 2 NCUA charter 6012 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling 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. [**Texans** Telecom Parkway · Garland · TX · 75044 About 1.0 miles away](https://rateapi.dev/credit-unions/texas/texans) [**Firefighters First** Garland Regional Office · Garland · TX · 75044-2510 About 1.9 miles away](https://rateapi.dev/credit-unions/california/firefighters-first) [**Resource One** North Garland · Garland · TX · 75044 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/resource-one) [**Baxter** Dallas · Richardson · TX · 75082-4412 About 2.5 miles away](https://rateapi.dev/credit-unions/illinois/baxter) [**Credit Union of Texas** North Garland Branch · Garland · TX · 75040 About 2.5 miles away](https://rateapi.dev/credit-unions/texas/credit-union-of-texas) [**randolph-brooks** Garland · Garland · TX · 75040 About 2.7 miles away](https://rateapi.dev/credit-unions/texas/randolph-brooks) 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 Lifetime Credit Union Membership eligibility from Lifetime Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Lifetime Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Blue Cross and Blue Shield of Texas, Blue Cross and Blue Shield of Oklahoma, Health Care Service Corporation, Availity, LLC, Dearborn National, TMG Health, Inc. Verified from [Lifetime Credit Union's membership page](https://www.lifetimefcu.org/about/leadership/) . Final membership determination is always made by the credit union. ## Membership rules for Lifetime Credit Union Employers 6 · Family 7 published paths to membership, last verified August 21, 2026, quoted from Lifetime Credit Union’s own published criteria. ### Employers 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Blue Cross and Blue Shield of Texas “the field of membership includes active and retired employees of Blue Cross and Blue Shield of Texas and Blue Cross and Blue Shield of Oklahoma” > [source ↗](https://www.lifetimefcu.org/about/leadership/) - Employee of Blue Cross and Blue Shield of Texas - Employee of Blue Cross and Blue Shield of Oklahoma “the field of membership includes active and retired employees of Blue Cross and Blue Shield of Texas and Blue Cross and Blue Shield of Oklahoma” > [source ↗](https://www.lifetimefcu.org/about/leadership/) - Employee of Blue Cross and Blue Shield of Oklahoma - Employee of Health Care Service Corporation “active and retired Texas and Oklahoma-based employees of Health Care Service Corporation and its current and former wholly-owned subsidiaries” > [source ↗](https://www.lifetimefcu.org/about/leadership/) - Employee of Health Care Service Corporation - Employee of Availity, LLC “Currently these subsidiaries include Availity, LLC, Dearborn National and TMG Health, Inc.” > [source ↗](https://www.lifetimefcu.org/about/leadership/) - Employee of Availity, LLC - Employee of Dearborn National “Currently these subsidiaries include Availity, LLC, Dearborn National and TMG Health, Inc.” > [source ↗](https://www.lifetimefcu.org/about/leadership/) - Employee of Dearborn National - Employee of TMG Health, Inc. “Currently these subsidiaries include Availity, LLC, Dearborn National and TMG Health, Inc.” > [source ↗](https://www.lifetimefcu.org/about/leadership/) - Employee of TMG Health, Inc. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “and their family members.” > [source ↗](https://www.lifetimefcu.org/about/leadership/) - Family member 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 Lifetime Credit Union? Yes No ## Work at Lifetime 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 Lifetime Credit Union ranks against Texas peers. - See which AI assistants fetched Lifetime Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=lifetime&state=texas&code=TX&name=Lifetime%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Lifetime Credit Union offer? Lifetime Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Lifetime Credit Union rates updated? RateAPI verifies Lifetime Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Lifetime Credit Union's rate data? Rate data is collected directly from Lifetime Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Lifetime Credit Union's mortgage rate? As of November 13, 2026, Lifetime Credit Union offers a 30-year fixed mortgage at 5.423% APR. ### Who can join Lifetime Credit Union? Lifetime Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 6 employers for Lifetime Credit Union, each quoted from Lifetime Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Lifetime Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.lifetimefcu.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 Lifetime Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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 Lifetime Credit Union curl "https://api.rateapi.dev/credit-unions/texas /lifetime " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Lifetime 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/texas/lifetime Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp