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Due to building repair work being done, the SBA branch will be closed on Monday, September 23rd.  The branch will resume normal business hours on Tuesday, September 24th. We apologize for any inconvenience.
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Serving members worldwide since 1935.

Dividend Rates

  • Savings Accounts
  • Share Certificates
  • Money Market Accounts
  • Checking Accounts

Put your money to work at your credit union.

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

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.

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.


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.

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.

Have Questions? Just ask.

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