Dividend Rates

Savings Accounts
Share Certificates
Money Market Accounts
Checking Accounts

Put your money to work at your credit union.

Choose from a variety of savings and checking accounts to meet your needs and goals.

Savings Account Rates

Effective Sep 1, 2019

Account	Min to Open	Min to Earn APY*	Dividend	APY*
Share Savings	$50	$50	0.10%	0.10%
Preferred Savings Up to $19,999 $20,000+	$50 $20,000	$50 $20,000	0.20% 0.30%	0.20% 0.30%
Premier Savings** 1st $50,000 2nd $50,000 next $150,000.00 next $250,000.00 - $99,999,999.99	$50,000	$50,000	0.30% 0.40% 0.50% 0.75%	0.30% 0.30-0.35% 0.35-0.44% 0.44-0.75%
IRA Savings	$50	n/a	0.75%	0.75%

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.

*APY=Annual Percentage Yield.
The 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.

Regular & IRA Certificate Rates

Fixed-Rate Certificates

Effective Sep 1, 2019

Fixed-Rate*	Min to Open	Min to Earn APY**	Dividend	APY**
7-month term***	$500	$500	1.75%	1.76%
1-year term	$500	$500	2.00%	2.02%
2-year term	$500	$500	2.25%	2.27%
3-year term	$500	$500	2.50%	2.52%
4-year term	$500	$500	2.75%	2.78%
5-year term	$500	$500	3.00%	3.03%

*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. $50.00 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 3.03% APY on LFCU checking account balances up to $3,000 and 0.025% APY on checking balances over $3,000. Please visit LFCU.ORG/BIG3 for full checking account requirements. APY=Annual Percentage Yield. ***7-month term Fixed-Rate Certificates are not available as an IRA.

Variable-Rate Certificates

Effective Sep 1, 2019

Variable-Rate*	Min to Open	Min to Earn APY**	Dividend	APY**
18-month term	$50	$50	1.65%	1.66%
3-year term	$50	$50	1.85%	1.86%
5-year term	$50	$50	2.35%	2.37%

*Early withdrawal penalties may apply. 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. $50.00 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 3.03% APY on LFCU checking account balances up to $3,000 and 0.025% APY on checking balances over $3,000. Please visit LFCU.ORG/BIG3 for full checking account requirements.APY=Annual Percentage Yield.

Money Market Account Rates

Effective Sep 1, 2019

Tier	Min to Open	Dividend	APY*
0-$2,499	$2,500**	0.00%	0.00%
$2,500-$24,999		0.05%	0.05%
$25,000-$149,999		0.15%	0.15%
$150,000+		0.30%	0.30%

*APY=Annual Percentage Yield.
**Plus the cost of checks.

Checking Account Rates

Effective Sep 1, 2019

Min to Open	Min to Earn APY*	Dividend	APY*
$5**	Up to $3,000	3.00%	3.03%***
$5**	$3,000+	0.025%	0.025%

APY=Annual Percentage Yield.
Plus cost of check style selected.
Business Checking Accounts are excluded from 3.03% APY. Dividends are compounded and credited quarterly. To earn the 3.03% APY dividend rate, member will be obligated to continue to receive their statement electronically (no paper statements will be mailed), sign in to online banking at least once per month, maintain at least one (1) qualified direct deposit of at least $500 per month, and complete at least five (5) debit card point of sale transactions per month. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking account on a month-to-month basis made by an outside organization or agency.

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Lafayette Federal Credit Union is one of the premiere financial institutions in the Washington, D.C. area, now serving DXC and CSRA employees. Since our founding in 1935, we have sought to provide our members with a safe and convenient place to save, and to offer loans at rates and terms more favorable than those of other financial institutions. We also work hard to provide top-notch customer service. Contact us to obtain a copy of our Annual Report.