Save up to $1,020 with Lafayette FCU auto loans¹

$1,020 is the difference between the amount paid in interest between Lafayette Federal Credit Union's rate at 5.50% APR compared to 6.50% APR for the National market average over the life of a $30,000 auto loan over 72 months. Lafayette Federal Credit Union rates outperform the National average earning a Datatrac Great Rate Award. © Datatrac 2026Comparison Product: New Auto - 72 Mo - Rate for excellent credit compared (i.e. the 'as low as' rate) which may vary based on credit rating. APR=Annual Percentage Rate

Lafayette FCU share certificate rates up to 109% higher¹

109% is the difference between the percent earned in interest between Lafayette Federal Credit Union's rate at 3.61% APY compared to 1.73% APY for the National market average over the life of a 4 year certificate of deposit (CD) at $10,000. Lafayette Federal Credit Union rates outperform the National average earning a Datatrac Great Rate Award. © Datatrac 2026Comparison Product: 4 Yr Certificate - $10k - APY=Annual Percentage Yield

Save up to $261 with Lafayette FCU credit cards¹

$261 is the difference between the amount paid in interest between Lafayette Federal Credit Union's rate at 12.90% APR compared to 14.64% APR for the National market average based upon a $5,000 average daily balance over 36 months. Lafayette Federal Credit Union rates outperform the National average earning a Datatrac Great Rate Award. © Datatrac 2026Comparison Product: Credit Card Classic - Rate for excellent credit compared (i.e. the 'as low as' rate) which may vary based on credit rating. APR=Annual Percentage Rate

Lafayette FCU IRA rates up to 634% higher¹

634% is the difference between the percent earned in interest between Lafayette Federal Credit Union's rate at 3.76% APY compared to 0.51% APY for the National market average over the life of a liquid individual retirement account (IRA) at $10,000. Lafayette Federal Credit Union rates outperform the National average earning a Datatrac Great Rate Award. © Datatrac 2026Comparison Product: IRA - Liquid - $10k - APY=Annual Percentage Yield

Save up to $257 with Lafayette FCU unsecured loans¹

$257 is the difference between the amount paid in interest between Lafayette Federal Credit Union's rate at 9.99% APR compared to 11.00% APR for the National market average over the life of a $15,000 unsecured loan over 36 months. Lafayette Federal Credit Union rates outperform the National average earning a Datatrac Great Rate Award. © Datatrac 2026Comparison Product: Unsecured - 36 Mo - Rate for excellent credit compared (i.e. the 'as low as' rate) which may vary based on credit rating. APR=Annual Percentage Rate

Routing Number: 254074811

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Cost of Funds

Rates Sections

Cost of Funds

2026 Cost of Funds Historical Cost of Funds

Cost of Funds

Rounded up to the nearest quarter percent.

2026 Cost of Funds
Month	Rate
Month January	Rate 3.75%

Historical Cost of Funds
Month	2021	2022	2023	2024	2025
Month January	2021 1.50%	2022 1.25%	2023 2.75%	2024 3.75%	2025 4.00%
Month February	2021 1.50%	2022 1.25%	2023 2.75%	2024 3.75%	2025 3.75%
Month March	2021 1.50%	2022 1.50%	2023 2.75%	2024 3.75%	2025 4.00%
Month April	2021 1.25%	2022 1.50%	2023 3.00%	2024 3.75%	2025 3.75%
Month May	2021 1.25%	2022 1.50%	2023 3.00%	2024 4.00%	2025 3.75%
Month June	2021 1.25%	2022 1.75%	2023 3.00%	2024 4.00%	2025 3.75%
Month July	2021 1.25%	2022 1.75%	2023 3.25%	2024 4.00%	2025 3.75%
Month August	2021 1.25%	2022 2.00%	2023 3.25%	2024 4.00%	2025 3.75%
Month September	2021 1.25%	2022 2.00%	2023 3.25%	2024 4.00%	2025 3.75%
Month October	2021 1.25%	2022 2.25%	2023 3.50%	2024 3.75%	2025 3.75%
Month November	2021 1.25%	2022 2.50%	2023 3.50%	2024 3.75%	2025 3.75%
Month December	2021 1.25%	2022 2.50%	2023 3.75%	2024 4.00%	2025 3.75%