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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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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

Effective Dec 1, 2022

Fixed-Rate* Min to Open Min to Earn APY** Dividend APY**
7-month term*** $500 $500 3.25% 3.29%
1-year term $500 $500 3.75% 3.80%
2-year term $500 $500 4.05% 4.11%
3-year term $500 $500 4.15% 4.22%
4-year term $500 $500 4.25% 4.32%
5-year term $500 $500 4.35% 4.42%
*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.

Fixed-Rate Jumbo Certificate Accounts

Introducing Lafayette Federal’s NEW Jumbo Certificates, maximized to give your hard-earned savings a boost. In exchange for a higher minimum deposit, we’re paying you premium interest rates to fast-track your wealth with minimal effort and little risk.

Effective Dec 1, 2022

Fixed-Rate Jumbo* Min to Open Min to Earn APY** Dividend APY**
1-year term $100,000 $100,000 3.90% 3.96%
2-year term $100,000 $100,000 4.20% 4.27%
3-year term $100,000 $100,000 4.30% 4.37%
4-year term $100,000 $100,000 4.40% 4.47%
5-year term $100,000 $100,000 4.50% 4.58%
*Valid 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% 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.

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

Effective Dec 1, 2022

Variable-Rate* Min to Open Min to Earn APY** Dividend APY**
18-month term $50 $50 2.50% 2.52%
3-year term $50 $50 3.00% 3.03%
5-year term $50 $50 3.50% 3.55%
*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 earn 0.025% APY** on LFCU checking account balances. **APY=Annual Percentage Yield.

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 Dec 1, 2022

Fixed-Rate* Min to Open Min to Earn APY** Dividend APY**
7-month term*** $500 $500 3.25% 3.29%
1-year term $500 $500 3.75% 3.80%
2-year term $500 $500 4.05% 4.11%
3-year term $500 $500 4.15% 4.22%
4-year term $500 $500 4.25% 4.32%
5-year term $500 $500 4.35% 4.42%
*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 Dec 1, 2022

Variable-Rate* Min to Open Min to Earn APY** Dividend APY**
18-month term $50 $50 2.50% 2.52%
3-year term $50 $50 3.00% 3.03%
5-year term $50 $50 3.50% 3.55%
*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 earn 0.025% APY** on LFCU checking account balances. **APY=Annual Percentage Yield.

Open Today

Open your account online 24/7 or stop by one of our branch locations and our staff will be happy to assist you.

We have eight convenient locations in the D.C. metropolitan areaOpens in New Window where our branch staff will be happy to assist you through the account opening process, and answer any questions that you may have.


Have Questions? Just ask.

Full Rate Details
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