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Built for your needs, your plans, your life.
Who Can Join Lafayette Federal?
We have multiple paths for eligibility. Whether you live in California, Boston, or somewhere in-between, joining a credit union has never been easier.
We extend our membership to all direct-hire individuals employed by or retired from our Select Employee Groups. Find out if your employer is one of our Select Employer Groups.
American Consumer Council
If you live in Maryland, Washington, D.C., or Virginia, you’re eligible to join Lafayette Federal by becoming a member of the American Consumer Council (ACC). We’ll handle your ACC membership at no cost to you. Just select your location during sign-up to unlock the added benefits of ACC membership.
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 Residents of Washington, D.C.
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.
If you live anywhere in the United States, you’re eligible to join Lafayette Federal by becoming a member of the Home Ownership Financial Literacy Council (HOFLC). When applying, simply select “I live elsewhere in the United States”, and you’ll be automatically enrolled during account opening for a one-time $10 fee. HOFLC Membership gives you access to expert financial articles and tools to help you plan with confidence.
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!
Our members saved $54.7 million last year1
*1Direct financial benefits to members during the 12 months ending December 2024 as defined in the CUNA Membership Benefits Report for Lafayette Federal Credit Union. For more information regarding this analysis, please visit www.datatrac.net/memberbenefits. ©CUNA, ©Datatrac
Why Lafayette Federal is Better
4.9 star app store rating.
From payday to bill pay, we make it easy, so you can spend your time on everything else.
Manage Your Cards Securely
Protecting your card should be simple. That’s why we give our members the tools to add transaction alerts, block your card if you see suspicious activity and more.
Mobile Deposit
Instead of walking into a branch or visiting a check cashing store, simply deposit your check using our mobile banking app using remote deposit. You can track pending deposits, rejected, or posted checks right from the convenience of your home.
Check Your Credit Anytime
Get instant access to your credit score and report—no hard inquiries, no extra fees with the Lafayette Federal 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.
It Pays To Be a Member
It’s all about you. Real benefits make it easier to spend smarter and stress less.
Low Fees
No monthly charges. No maintenance fees. No gotchas. At Lafayette, we believe your money should stay with you.
Better Rates
Grow your money faster with nation leading rates recognized by Investopedia, The Wall Street Journal, and more.
Real Member Benefits
Get paid early, save smarter, and skip the fees. It’s all designed to put you ahead, faster.
Service With a Smile
Every feature, every interaction, every step is designed to make banking easier so you can focus on what matters most.
We can’t wait to meet you.
As a member of Lafayette Federal, you have access to over 5,000 shared credit union branches and more than 30,000 surcharge-free ATMs nationwide
Find a branch near you.
We have multiple convenient branch locations in the Washington Metropolitan area. Plus, our members can visit any shared branch across the country for simple transactions.
Cabin John Financial Service Center
Columbia Heights Financial Service Center
Crystal City Financial Service Center
Fallsgrove Financial Service Center
Great Falls Financial Service Center – Coming Soon
Greenbelt Financial Service Center
Jack Welty Financial Service Center
Kensington Financial Service Center
McLean Financial Service Center
SBA Financial Service Center
Tower Oaks Financial Service Center
Back to top Ready to join Lafayette Federal?
Monday-Friday 8:30am – 4:00pm
Audio Response 24/7
301-929-7990
1-800-888-6560 (toll-free)
Disclosures
²APY = Annual Percentage Yield. 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. ⁴Lafayette Federal membership is required. Offer is valid from February 1, 2025 through December 31, 2025. Offer not available to existing Lafayette Federal members. You can receive only one checking account related bonus per membership. Promo is good for one-time use per membership. 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. 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. Your savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the U.S. government.
