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Lynchburg Municipal Employees

3176 Fort Ave, Lynchburg, VA 24501
NCUA Insured3.9 (31 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3176 Fort Ave

Lynchburg, VA 24501

Service Area

This credit union is located in Lynchburg and serves members in the VA area. Currently serving 2,929 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.83%

Used Auto Loan

8.34%

Personal Loan

11.56%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VA

Lowest rates currently reported by credit unions in VA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.9

31 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Angela Lovelace

Angela Lovelace

8 months ago

I wish that kept there loans going. Once the third party came involved in change how the loans are being done now. They need to do one big loan for the whole year if that's how I will do it. An amount should be up to $10,000 for a whole year to pay back and no other loan can be taken out but that won't loan for whatever needs to be bills. Christmas vacation. Just one loan. But all in that I love my credit union. They've been good to me.

Sceauncia Parr

Sceauncia Parr

8 months ago

Great staff. They’re always kind, helpful and get me in and out in a timely manner. Thanks for all you do!

Amanda Whorley

Amanda Whorley

11 months ago

After several years with LMFECU I have decided to close my accounts with them due to their way of nickel and dime me out of my own funds that caused more chaos then necessary. I was charged fees when items posted for the same items that were already deducted from the available balance. I have emails from the bank that would state things when in question the fees like, “you had $100 in your account and you had $98 post”. This would cause overdraft fees due to processing things like it was charging me double. Then on top of that, I was charged a fee for something and due to the fee it caused a complete domino effect in my account that the bank overdrew my account and when items posted I was charged fees of almost $600, due to them processing their fee first when the system updated instead of posting all the things then dealing with the fee. When I discussed all this I was dismissed and pretty much told you can go to a different bank good luck! I used to love my service here but this has occurred in multiple occurrences.

Robin Meritt

Robin Meritt

a year ago

I see mixed reviews here on Google about our credit union. I think that could come from a misunderstanding about what our credit union can provide. They clearly explain their services and what they can offer us. I shop around for rates and sometimes I use our credit union and sometimes I end up using a bank. I used to think our credit union would have the best rates for everything but everyone else has become competitive with credit unions. I haven’t had any issues with our credit union because I learned, through trial and error with them. Like all of us, they are good people trying to do the best they can.

Desiree Dennis

Desiree Dennis

a year ago

They’re always helpful and I feel safe depositing my paychecks here. I wish they had some hours on the weekends, but at the same time I’m glad they give their employees a break every weekend. It’s nice that they remember my name too :)

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).