facebook pixel Skip to main content
Google PlayApple Store
Serving members worldwide since 1935.


  • Several ways to be eligible
  • Extensive network of surcharge-free ATMs nationwide
  • Free 24/7 online banking

Enjoy additional free services with Relationship Checking.

Apply Now

Full Rate Details
Account Disclosures

Are you ready to take advantage of your credit union membership eligibility?

Benefits of Joining

Here are just a few reasons to become a member:

  1. Nationwide access to an extensive network of over 30,000 surcharge-free ATMs plus more than 5,000 shared branchesOpens in New Window nationwide
  2. No-fee CheckingOpens in New Window that earns dividends
  3. Low-rate Mortgage LoansOpens in New Window
  4. Low-rate Auto LoansOpens in New Window with extra discounts on fuel-efficient vehicles
  5. No-annual-fee Credit CardsOpens in New Window with great rewards
  6. 24-Hour online account access with FREE Online BankingOpens in New Window
  7. 24-Hour mobile account access with our Mobile AppOpens in New Window featuring mobile deposits
  8. A variety of low-rate Consumer LoansOpens in New Window
  9. No monthly fee for Debit CardOpens in New Window use
  10. Competitive SavingsOpens in New Window rates

Am I Eligible for Membership?

You may be eligible to open an account with us if you:

For specific eligibility information, choose one of the following options:

We extend our membership to all direct-hire individuals employed by or retired from the following organizations. Choose your employer below to learn more about joining Lafayette Federal as an employee of one of our Select Employer Groups, your membership benefits, and more.



Residents of Potomac, MD

Persons who live or work in that part of Montgomery County, Maryland, known as Potomac, bounded on the south by the Potomac River from Riley's Lock Road on the west to Cabin John Parkway on the east, on the east by Cabin John Parkway to the Capital Beltway 495 to Interstate 270, on the north by Shady Grove Road to State Route 28 to State Route 112, and on the west by State Route 112 and Seneca Road to River Road to Riley's Lock Road to the Potomac River, excluding the military reservation known as the U. S. Navy Ship Research and Development Center, are eligible to join.

Select Washington, D.C. Residents

Many individuals who live, work, worship or attend school in Washington, D.C. are eligible to become members. Our D.C. charter extends to individuals within certain geographic boundaries per the map below.

We extend eligibility to all current members' immediate family members. This includes: grandparents, parents, spouses, children (including foster and adopted), grandchildren and siblings. Un-remarried spouses of persons who died while employed by any of our eligible organizations are also eligible for membership.

This means that once you become a member, your family members automatically become eligible to join!

Persons who live in Maryland, Washington, D.C. or Virginia are eligible to open an account if they are an existing member or become a member of the American Consumer Council (ACC). The ACC was founded to ensure vital customer needs are met and protected through educating American consumers about the benefits of various products and services and acting as a voice for consumer advocacy and economic wellness in the United States. As an influential organization with more than 160‚000 members nationwide, ACC applies marketplace pressure to ensure companies offer safe‚ reliable products and services that consumers can use‚ trust and recommend to their family and friends.

We will take care of your ACC membership when you open your Lafayette Federal account — there's no fee to you. Simply select "persons who live in Maryland, Washington, D.C. or Virginia” for your eligibility and you'll have the added benefit of becoming a part of ACC. Learn more about the American Consumer CouncilOpens in New Window.

We extend eligibility nationwide to all members of the Home Ownership Financial Literacy CouncilOpens in New Window (HOFLC). HOFLC is a non-profit corporation created to provide its members with the necessary tools to successfully navigate the path of home ownership. Whether you are a first-time home buyer, veteran, or refinancing your current home, HOFLC has the resources to help you make an informed decision. When you sign up, you get the power of information at your fingertips. With a one-time membership fee of $10, you'll enjoy the following:

  • Articles from reliable resources
  • Calculators to help you plan to the penny
  • Training webinars from industry experts (Coming soon!)

How Do I Join?

Join Lafayette Federal by opening a Share Savings AccountOpens in New Window. Open your account online 24/7 or stop by one of our branch locations and our staff will be happy to assist you.

We have eight convenient locations in the D.C. metropolitan areaOpens in New Window where our branch staff will be happy to assist you through the account opening process, answer any questions that you may have, and welcome you to the Lafayette Federal family!

Once a Member, Always a Member

Even if you change jobs or move, you will always be a member of Lafayette Federal membership — just maintain a minimum balance of $50 in your Share Savings account.
Have Questions? Just ask.

Full Rate Details
Account Disclosures
Trusts, Custodial Accounts & POAs

  • couple smiling looking at statement mini news ad

    Enjoy our 2.02% APY³ Checking — a premium rate 50 times higher than the national average¹

    Simple terms, outstanding rate

  • atm-cash-withdrawal

    Our members have access to 30,000+ surcharge-free ATMs and 5,000+ shared branches for all basic transaction needs.

    Access branches and ATMs nationwide

  • Home Advantage Family on porch

    Lafayette Federal HomeAdvantage is a free member service that can help you buy, sell and save on your home.

    Save $100s to $1,000s in Cash Rewards*