Certificates
Boost your Savings! Earn up to 4.16% APY².
Choose Your Certificate Account
Our high-yield certificate accounts, ranked among the best in the nation, empower you to save more and achieve your significant goals over time.
Fixed-Rate Certificate Accounts
Get higher dividends when you lock in your rate over time. Secure your money for as long as 5 years and for a limited time, 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 terms, 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.
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 4.16% 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 5 years, you can choose one that best suits your goals and plan for the next stage in your life.
Today’s Certificate Rates
|
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 November 12, 2024. |
||||
|
Fixed-Rate1 7-month term3 |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.10% |
APY2 4.16% |
|
Fixed-Rate1 1-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.05% |
APY2 4.11% |
|
Fixed-Rate1 2-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.90% |
APY2 3.96% |
|
Fixed-Rate1 3-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.80% |
APY2 3.85% |
|
Fixed-Rate1 4-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.70% |
APY2 3.75% |
|
Fixed-Rate1 5-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.65% |
APY2 3.70% |
|
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 November 12, 2024. |
||||
|
Fixed-Rate Jumbo1 1-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 4.10% |
APY2 4.16% |
|
Fixed-Rate Jumbo1 2-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 3.95% |
APY2 4.01% |
|
Fixed-Rate Jumbo1 3-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 3.85% |
APY2 3.91% |
|
Fixed-Rate Jumbo1 4-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 3.75% |
APY2 3.80% |
|
Fixed-Rate Jumbo1 5-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 3.70% |
APY2 3.75% |
|
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 November 1, 2024. |
||||
|
Variable-Rate1 18-month term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 3.60% |
APY2 3.65% |
|
Variable-Rate1 3-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 3.50% |
APY2 3.55% |
|
Variable-Rate1 5-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 3.20% |
APY2 3.24% |
|
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 November 12, 2024. |
||||
|
Fixed-Rate1 1-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.05% |
APY2 4.11% |
|
Fixed-Rate1 2-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.90% |
APY2 3.96% |
|
Fixed-Rate1 3-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.80% |
APY2 3.85% |
|
Fixed-Rate1 4-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.70% |
APY2 3.75% |
|
Fixed-Rate1 5-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 3.65% |
APY2 3.70% |
|
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 November 1, 2024. |
||||
|
Variable-Rate* 18-month term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 3.60% |
APY2 3.65% |
|
Variable-Rate* 3-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 3.50% |
APY2 3.55% |
|
Variable-Rate* 5-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 3.20% |
APY2 3.24% |
Our members say the nicest things.
The entire LFCU staff are personable, professional, and exceeds 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 a 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.
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Take advantage of greater rewards with growth-based savings.
Automatically earn dividends every three months from the day you deposit to the day you withdraw. Discover how you can start getting more out of your savings account with higher dividends and great account options.
Boost your savings and find confidence in your future.
Earning bigger dividends while keeping access to your funds has never been easier. See how you can start investing your dollars and the accounts we offer to help you reach your goals.
Ready to open a Certificate?
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.
