Get paid up to 2 days early
Access your money faster
Get Paid Sooner With Early Pay!
At Lafayette Federal, we believe managing your money should feel empowering—and easy. With early access to Direct Deposit, our members can now enjoy their paychecks up to two days ahead of schedule.
How to Get Paid Early
Open a Lafayette Federal Account
Opening your account is simple, and easy. Start the process today and open your account online in minutes.
Set Up Direct Deposit
Log in to online banking and access the web version of your Lafayette Federal online banking account via your mobile browser or desktop.
Wait for your paycheck to process
Once we detect your qualifying direct deposit, you will get paid 2 days early.
It Pays to Bank With Lafayette Federal
Feel more in control of your finances with our mobile app.
Enroll in Direct Deposit
Get paid up to two days early with direct deposit. Whether it’s your paycheck, tax refund, or government benefits, your money is available sooner at Lafayette Federal. Quickly enroll today directly in online banking or from our mobile app.
Move Your Money Quickly
You can move your funds between your Lafayette accounts, send money to family or friends by syncing your phone contacts, send money to yourself at another financial institution securely, withdraw money from another financial institution, transfer funds via wire (fees apply), and more.
Check Your Credit Score
Regular updates on your credit score help you stay informed about your financial health. If there is any unusual activity you are more likely to respond in a timely manner or place a freeze on your credit to mitigate risk.
Let’s Make Payday Even Better
Set up direct deposit and enjoy early access to your money—plus a $1005 or $1504 thank-you from us.
Your Money, Your Way!
Open a checking account and get access to so much more.
Direct Deposit 2 Days Early
With early direct deposit, your paycheck arrives sooner—up to two days early.
Fee-Free Checking
With free-fee checking you can reach your financial goals quicker, and gain fast access to your cash.
Checking Bonus Offers
New members earn $1504 and existing members earn $1005 when you switch your direct deposit to Lafayette Federal today.
Our people say the nicest things.
Lafayette Federal has been my trusted credit union for the last 34 years, providing for me while I served both overseas and here in the United States! You have helped me to plan for the future, finance mortgages, fund my business start-up, and save for retirement. Thanks for being my bedrock as I now look forward to enjoying this next phase of my life.
Brian B. Member for 34 years
Frequently Asked Questions
You might have questions about our two-day early pay benefit. Here are some common questions and answers.
No enrollment is required. Once we detect a qualifying direct deposit, you will automatically receive the funds early.
No. Early Pay is a free benefit for Lafayette Federal members.
Early Pay is a convenient, free service that gives members access to their paycheck up to two days before their regular payday — just for having direct deposit set up with us!
Here’s how it works: Most employers and government agencies send payroll files in advance of the actual payday. As soon as we receive the notification of an incoming direct deposit, we’ll credit member accounts — often up to 48 hours ahead of schedule. That means more flexibility with members’ money, earlier access to the funds they’ve earned, and less stress when it comes to things like paying bills or covering day-to-day expenses.
The easiest method for setting up direct deposit is to log in to your Lafayette Federal online banking account. You can access direct deposit within the menu bar at More > Direct Deposit. Learn more about setting up direct deposit here: https://www.lfcu.org/set-up-direct-deposit/#mobile
Any member with a qualifying direct deposit (like a paycheck or government benefit) to a Lafayette Federal checking or savings account is eligible. There is no minimum or maximum deposit limitations for the service.
Not finding what you’re looking for? Contact us
Open Your Account Today
Monday-Friday 8:30am – 4:00pm
Audio Response 24/7
301-929-7990
1-800-888-6560 (toll-free)
Disclosures
1APY=Annual Percentage Yield. 2Plus cost of check style selected. Dividends are compounded and paid monthly on the first day of the next dividend period. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government.
2 Day Early Pay Disclosure
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer and standard fraud prevention screening. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Early access is available for personal accounts only, and is offered at the discretion of the Credit Union. We reserve the right to cancel the service at any time without notice. Dividends will begin to accrue on the day early pay funds are received.
$150 Checking Account Bonus Offer
⁴Lafayette Federal membership is required. Offer is valid from February 1, 2025 through December 31, 2025. Lafayette Federal will match the required par value by depositing $50 into the checking account at account opening. Member must open a Lafayette Federal checking account, debit card, and online banking to be eligible.⁵ To receive an additional $100, member must set up and maintain at least one (1) qualified direct deposit (QDD) of at least $500 per month. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. QDD must be established within 45 days of account opening. $100 will be deposited within 90 days of account opening. $50 minimum balance required to open and earn 0.10% APY (Annual Percentage Yield) on LFCU share savings account balances.
$100 Checking Account Bonus
⁶Lafayette Federal membership is required. Offer is valid through December 31, 2025. Member must set up and maintain at least one (1) qualified direct deposit (QDD) of at least $500 per month. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. $100 will be deposited within 90 days of verification of member’s initial QDD. $50 minimum balance required to open and earn 0.10% APY (Annual Percentage Yield) on LFCU share savings account balances.
Your savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the U.S. government.
