Personal Certificate Rates

Certificates

Fixed-Rate 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 July 1, 2024.

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 Jumbo Certificate Accounts

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 July 1, 2024.

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-Rate Certificates

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 July 1, 2024.

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%

IRA Fixed-Rate Certificate

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 July 1, 2024.

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%

IRA Variable-Rate Certificate

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 July 1, 2024.

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%