Personal Certificate Rates
Certificates
|
Fixed-Rate1 |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early 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% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. 37-month term Fixed-Rate Certificates are not available as an IRA. The rates and terms shown are effective as of April 1, 2024. |
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|
Fixed-Rate1 7-month term3 |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.30% |
APY2 4.37% |
|
Fixed-Rate1 1-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.95% |
APY2 5.04% |
|
Fixed-Rate1 2-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.70% |
APY2 4.78% |
|
Fixed-Rate1 3-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.45% |
APY2 4.52% |
|
Fixed-Rate1 4-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.35% |
APY2 4.42% |
|
Fixed-Rate1 5-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.25% |
APY2 4.32% |
|
Fixed-Rate Jumbo1 |
Min. to Open |
Min. to Earn APY1 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Valid 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% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of April 1, 2024. |
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|
Fixed-Rate Jumbo1 1-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 5.00% |
APY2 5.09% |
|
Fixed-Rate Jumbo1 2-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 4.75% |
APY2 4.84% |
|
Fixed-Rate Jumbo1 3-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 4.50% |
APY2 4.58% |
|
Fixed-Rate Jumbo1 4-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 4.40% |
APY2 4.48% |
|
Fixed-Rate Jumbo1 5-year term |
Min. to Open $100,000 |
Min. to Earn APY1 $100,000 |
Dividend 4.30% |
APY2 4.37% |
|
Variable-Rate1 |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early 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% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of April 1, 2024. |
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|
Variable-Rate1 18-month term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.30% |
APY2 4.37% |
|
Variable-Rate1 3-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.25% |
APY2 4.32% |
|
Variable-Rate1 5-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.00% |
APY2 4.06% |
|
Fixed-Rate1 |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early 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% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of April 1, 2024. |
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|
Fixed-Rate1 1-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.95% |
APY2 5.04% |
|
Fixed-Rate1 2-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.70% |
APY2 4.78% |
|
Fixed-Rate1 3-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.45% |
APY2 4.52% |
|
Fixed-Rate1 4-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.35% |
APY2 4.42% |
|
Fixed-Rate1 5-year term |
Min. to Open $500 |
Min. to Earn APY2 $500 |
Dividend 4.25% |
APY2 4.32% |
|
Variable-Rate* |
Min. to Open |
Min. to Earn APY2 |
Dividend |
APY2 |
|---|---|---|---|---|
|
1Early 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% APY2 on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY2 on LFCU checking account balances. 2APY=Annual Percentage Yield. The rates and terms shown are effective as of April 1, 2024. |
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|
Variable-Rate* 18-month term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.30% |
APY2 4.37% |
|
Variable-Rate* 3-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.25% |
APY2 4.32% |
|
Variable-Rate* 5-year term |
Min. to Open $50 |
Min. to Earn APY2 $50 |
Dividend 4.00% |
APY2 4.06% |