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Serving members worldwide since 1935.

Share Certificates

  • Fixed and variable certificate options
  • Terms up to 5 years
  • Competitive rates

Hold your share accounts for specific terms in exchange for higher dividends!

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Grow your savings without taking on much risk with a share certificate:

Variable Rate Certificate Accounts

Variable Rate Certificate accounts are share accounts that are held for specific terms, in exchange for higher dividend rates. There are penalties for withdrawal before the end of the term, but you can make additional deposits in any amount at any time. We offer:

  • Very competitive variable rates
  • 18-month, 3- and 5-year terms
  • A $50 minimum balance

Fixed Rate Certificate Accounts

We offer five-year, four-year, three-year, two-year, one-year or, for a limited time, a seven-month fixed rate certificate account at a very competitive rate. Fixed Rate certificate accounts are held for specific terms, in exchange for higher dividend rates. There are penalties for withdrawal before the end of the term. We offer:

  • Very competitive rates
  • Five-year, four-year, three-year, two-year, one-year or seven-month term
  • A $500 minimum balance

IRA Certificates

We offer variable and fixed rate IRA certificates with the same features as above. The only difference is that these certificates are used to save for an IRA.

Effective Oct 1, 2020

Fixed-Rate* Min to Open Min to Earn APY** Dividend APY**
7-month term*** $500 $500 0.70% 0.70%
1-year term $500 $500 0.80% 0.80%
2-year term $500 $500 0.90% 0.90%
3-year term $500 $500 1.00% 1.01%
4-year term $500 $500 1.15% 1.16%
5-year term $500 $500 1.25% 1.26%
*Early 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% APY** on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY** on LFCU checking account balances. **APY=Annual Percentage Yield. ***7-month term Fixed-Rate Certificates are not available as an IRA.

Effective Oct 1, 2020

Variable-Rate* Min to Open Min to Earn APY** Dividend APY**
18-month term $50 $50 0.75% 0.75%
3-year term $50 $50 0.90% 0.90%
5-year term $50 $50 1.10% 1.11%
*Early 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% APY** on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn0.025% APY** on LFCU checking account balances. **APY=Annual Percentage Yield.



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Open a CertificateOpens in New Window

Full Rate Details
Account DisclosuresOpens in New Window

1Certificate & IRA Accounts — Early withdrawal penalties may apply. 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 Lafayette Federal checking account balances.2APY=Annual Percentage Yield.
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