Find Your Savings Account

Let’s find the account that works best for you.

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There are a few different ways to save and grow your money with Lafayette Federal. We’re here to help you narrow down your options and find the account to meet your goals.

Explore your options.

Which of the following do you want out of your savings account? Select all that apply.

Our members 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 R.

See today’s rates

Preferred Savings Accounts

Balance

Min. to Open

Min. to Earn APY1

Dividend

APY1

Savings Account dividends are compounded and paid quarterly on the first day of the next dividend period. Dividend Rates and APYs are variable and are subject to change. Certain fees and charges may apply to your share account as disclosed in the current Schedule of Fees. Assessed fees may reduce earnings. 1APY=Annual Percentage Yield.

The rates and terms shown are effective as of June 1, 2024.

Balance

up to $19,999

Min. to Open

$50

Min. to Earn APY1

$50

Dividend

4.20%

APY1

4.27%

Balance

$20,000 or more

Min. to Open

$20,000

Min. to Earn APY1

$20,000

Dividend

4.50%

APY1

4.58%

 

Premier Savings Accounts

Balance

Min. to Open

Dividend

APY1

Savings Account dividends are compounded and paid quarterly on the first day of the next dividend period. Dividend Rates and APYs are variable and are subject to change. Certain fees and charges may apply to your share account as disclosed in the current Schedule of Fees. Assessed fees may reduce earnings. 1APY=Annual Percentage Yield. 2The Premier Savings Account is a tiered-rate account with different rates applied to the different tiers. Member must maintain at least $50,000 in the account to earn dividends on this account.

The rates and terms shown are effective as of June 1, 2024.

Balance

1st $50,000

Min. to Open

$50,000

Dividend

4.50%

APY1

4.58%

Balance

2nd $50,000

Min. to Open

Dividend

4.60%

APY1

4.68%

Balance

next $150,000

Min. to Open

Dividend

4.70%

APY1

4.78%

Balance

next $250,000.00 – $99,999,999.99

Min. to Open

Dividend

4.90%

APY1

4.99%

Money Market Accounts

Tier

Min. to Open

Dividend

APY1

1APY=Annual Percentage Yield. 2Plus the cost of checks.

The rates and terms shown are effective as of June 1, 2024.

Tier

$0 – $2,499

Min. to Open

$2,5002

Dividend

0.00%

APY1

0.00%

Tier

$2,500 – $24,999

Min. to Open

Dividend

0.05%

APY1

0.05%

Tier

$25,000 – $149,999

Min. to Open

Dividend

0.15%

APY1

0.15%

Tier

$150,000

Min. to Open

Dividend

0.30%

APY1

0.30%

 

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 June 1, 2024.

Fixed-Rate1

7-month term3

Min. to Open 

$500

Min. to Earn APY2

$500

Dividend

4.30%

APY2

4.37%

Fixed-Rate1

1-year term

Min. to Open 

$500

Min. to Earn APY2

$500

Dividend

4.95%

APY2

5.04%

Fixed-Rate1

2-year term

Min. to Open 

$500

Min. to Earn APY2

$500

Dividend

4.70%

APY2

4.78%

Fixed-Rate1

3-year term

Min. to Open 

$500

Min. to Earn APY2

$500

Dividend

4.45%

APY2

4.52%

Fixed-Rate1

4-year term

Min. to Open 

$500

Min. to Earn APY2

$500

Dividend

4.35%

APY2

4.42%

Fixed-Rate1

5-year term

Min. to Open 

$500

Min. to Earn APY2

$500

Dividend

4.25%

APY2

4.32%

 

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 May 1, 2024.

Fixed-Rate Jumbo1

1-year term

Min. to Open

$100,000

Min. to Earn APY1

$100,000

Dividend

5.00%

APY2

5.09%

Fixed-Rate Jumbo1

2-year term

Min. to Open

$100,000

Min. to Earn APY1

$100,000

Dividend

4.75%

APY2

4.84%

Fixed-Rate Jumbo1

3-year term

Min. to Open

$100,000

Min. to Earn APY1

$100,000

Dividend

4.50%

APY2

4.58%

Fixed-Rate Jumbo1

4-year term

Min. to Open

$100,000

Min. to Earn APY1

$100,000

Dividend

4.40%

APY2

4.48%

Fixed-Rate Jumbo1

5-year term

Min. to Open

$100,000

Min. to Earn APY1

$100,000

Dividend

4.30%

APY2

4.37%

 

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 June 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%

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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.