Boost Your Savings With a Lafayette Federal Certificate
Lock in your rate and watch your money grow.
Certificates give you the power to save more and reach life-changing goals over time. With rates as high as 5.61% APY2, you can feel good about stashing money away for the future.
Nation-leading dividends
Grow your money faster with some of the best dividends in the country. Pick from our great fixed, variable, and jumbo certificates.
Federally Insured by the NCUA
No matter what happens in the market, your funds are always protected up to $250,000 by the NCUA.
Earnings over time
Ever heard that slow and steady wins the race? The longer you lock in your rate, the more rewards you reap.
Terms designed for you
With terms of up to five years, you can choose one that best suits your goals and plan for the next stage in your life.
We’ve got some great options for you.
Fixed-Rate Certificate Accounts
Get higher dividends when you lock in your rate over time. Secure your money for as long as five years or as short as seven months.
Fixed-Rate Jumbo Certificate Accounts
Take advantage of our NEW Jumbo Certificate, maximized with premium interest rates, to give your hard-earned savings a boost. Fast track your wealth with minimum effort and little risk.
Variable-Rate Certificate Accounts
Deposit as little as $50 and earn more with competitive variable rates. From 18-month to 5-year options, you can make additional deposits at any time to boost your earnings.
IRA Certificates
Prepare for your retirement and open a variable or fixed-rate IRA certificate with the same benefits as our other certificates. Start saving for your ‘someday’ with some of the highest dividend rates we have to offer.
Today’s Rates
Discover the benefits of saving (and earning) with Lafayette Federal.
|
Fixed-Rate1 |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed Certificate Account dividends are compounded and paid quarterly on the first day of the next dividend period. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. 37-month term Fixed-Rate Certificates are not available as an IRA. The rates and terms shown are effective as of December 1, 2023. |
||||
|
Fixed-Rate1 7-month term3 |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 5.00% |
APY2 5.10% |
|
Fixed-Rate1 1-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 5.45% |
APY2 5.56% |
|
Fixed-Rate1 2-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 5.10% |
APY2 5.20% |
|
Fixed-Rate1 3-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 5.00% |
APY2 5.10% |
|
Fixed-Rate1 4-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.65% |
APY2 4.73% |
|
Fixed-Rate1 5-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.45% |
APY2 4.53% |
|
Fixed-Rate Jumbo1 |
Min. to Open |
Min. to Earn APY1 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Valid on new or existing money. Fixed-Rate Jumbo Certificates are not available as an IRA. Early withdrawal penalties may apply. Certificates will automatically renew upon maturity for the same term at the standard certificate dividend rate unless otherwise stipulated by the member. Fixed Certificate Account dividends are compounded and paid quarterly on the first day of the next dividend period. Minimum to open a Fixed-Rate Jumbo Certificate is $100,000.00. No maximum certificate amount. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of December 1, 2023. |
||||
|
Fixed-Rate Jumbo1 1-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 5.50% |
APY2 5.61% |
|
Fixed-Rate Jumbo1 2-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 5.20% |
APY2 5.30% |
|
Fixed-Rate Jumbo1 3-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 5.10% |
APY2 5.20% |
|
Fixed-Rate Jumbo1 4-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 4.75% |
APY2 4.84% |
|
Fixed-Rate Jumbo1 5-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 4.55% |
APY2 4.63% |
|
Variable-Rate1 |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable Certificate Account dividends are compounded and paid quarterly on the first day of the next dividend period. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of December 1, 2023. |
||||
|
Variable-Rate1 18-month term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.30% |
APY2 4.37% |
|
Variable-Rate1 3-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.25% |
APY2 4.32% |
|
Variable-Rate1 5-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.00% |
APY2 4.06% |
|
Fixed-Rate1 |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed Certificate Account dividends are compounded and paid quarterly on the first day of the next dividend period. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of December 1, 2023. |
||||
|
Fixed-Rate1 1-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 5.45% |
APY2 5.56% |
|
Fixed-Rate1 2-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 5.10% |
APY2 5.20% |
|
Fixed-Rate1 3-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 5.00% |
APY2 5.10% |
|
Fixed-Rate1 4-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.65% |
APY2 4.73% |
|
Fixed-Rate1 5-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.45% |
APY2 4.53% |
|
Variable-Rate* |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable Certificate Account dividends are compounded and paid quarterly on the first day of the next dividend period. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of December 1, 2023. |
||||
|
Variable-Rate* 18-month term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.30% |
APY2 4.37% |
|
Variable-Rate* 3-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.25% |
APY2 4.32% |
|
Variable-Rate* 5-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.00% |
APY2 4.06% |
Bank with the best.
Join a credit union with nation-leading rates and top notch service you can trust. But don’t just take our word for it.
Newsweek’s Best Banks of 2022 & 2023
Newsweek partnered with Lending Tree to assess thousands of banks and credit unions nationwide, using a ranking system with over 50 different factors.
#12 of Top 100 Credit Unions 2022
S&P Global Market Intelligence Rankings places Lafayette as one of the Top 100 performing credit unions in 2022, securing the #12 spot out of almost 1,800 qualified credit unions nationwide.
#8 in Washington Business Journal’s Fastest Growing Companies 2022
Recognized as Greater Washington’s fastest growing credit union, ranking 8th overall as the fastest growing company in 2022. One of only 50 Washington area businesses – and the only credit union – to make the list out of over 2,300 companies surveyed.
Our members say the nicest things.
The entire LFCU staff are personable, professional, and exceed outstanding customer service. For over twenty years, I have been a member and accustom to the professional teams’ product and financial services knowledge and expertise. I appreciate the teams’ attention to detail, great communication skills, and pleasant disposition. I am impressed with the level of services I receive regarding savings account, mortgage re-financing, investments in share certificates, to name a few. Overall, on a scale of 1 to 10, I rate LFCU 10. Thank you for your outstanding service.
Edith B.
Back to top Disclosures
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
