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Certificates

Boost your Savings! Earn up to 5.61% APY².

Open an Account

Open an account

Please choose one of the following options:

Questions?

Speak with a local Member Service Representative

Call us: 1 (800) 888-6560

Representatives are available 24/7 to assist you.

Take advantage of a low-risk way to save more.

Certificates are a great option if you’re looking to save for retirement, your child’s education, or a brighter future, all without worrying about changes in the market.

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.

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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.

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Federally Insured by the NCUA

No matter what happens in the market, your funds are always protected up to $250,000 by the NCUA.

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Earnings over time

Ever heard that slow and steady wins the race? The longer you lock in your rate, the more rewards you reap.

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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.

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 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.

Today’s Certificate Rates

Fixed-Rate Certificates

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 February 1, 2024.

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 Jumbo Certificate Accounts

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 January 1, 2024.

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-Rate Certificates

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 February 1, 2024.

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%

IRA Fixed-Rate Certificate

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 February 1, 2024.

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%

IRA Variable-Rate Certificate

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 February 1, 2024.

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%

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.

Ready to open a Certificate?

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Open an account

Please choose one of the following options:

Questions?

Speak with a local Member Service Representative

Call us: 1 (800) 888-6560

Representatives are available 24/7 to assist you.

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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.