Steady Growth
Want to set aside some money for something big? A Certificate Account (CA) with LFCU will not only help you do that, but the amount will also steadily increase while it’s invested. In basic terms, it’s a savings account that earns way more interest. It’s like buried treasure that multiplies. That’s pretty awesome.
- Set aside money for a specified time
- Lots of different terms available
- Competitive rates
Certificate Accounts
Rates Effective as of: 12-21-2024
| A.P.R. | A.P.Y. | |
|---|---|---|
| 6 Month Certificate Accounts | 4.43% | 4.50% |
| 9 Month Certificate Accounts | 4.18% | 4.25% |
| 12 Month Certificate Accounts | 3.94% | 4.00% |
| 14 Month Certificate Accounts | 3.45% | 3.50% |
| 18 Month Certificate Accounts | 3.45% | 3.50% |
| 24 Month Certificate Accounts | 3.45% | 3.50% |
| 30 Month Certificate Accounts | 3.45% | 3.50% |
A.P.R. = Annual Percentage Rate
A.P.Y. = Annual Percentage Yield
Rates subject to change at any time without notice
Jumbo Certificate Rates
Rates Effective as of: 12-21-2024
| A.P.R. | A.P.Y. | |
|---|---|---|
| 12 Month $50,000.00 Minimum | 3.55% | 3.60% |
| 12 Month $100,000.00 Minimum | 3.55% | 3.60% |
| 18 Month $50,000.00 Minimum | 3.70% | 3.75% |
| 18 Month $100,000.00 Minimum | 3.70% | 3.75% |
A.P.R. = Annual Percentage Rate
A.P.Y. = Annual Percentage Yield
Rates subject to change at any time without notice
$1,000.00 - Regular Certificate, $50,000.00 – Jumbo Certificate, $100,000.00 - Jumbo Certificate.
The grace period is 10 days.
A penalty of 90 days dividends will be imposed on amounts withdrawn before the maturity date.
Dividends are compounded quarterly, and are computed by using the average daily balance method.
APR is your yearly rate without taking compound interest into account. APY, on the other hand, is your effective annual rate and includes how often interest is applied to your balance. Since loans and investments may compound interest more often than once a year, APY is typically higher than APR.
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- Login to your online banking account.
- Hover your cursor over “New Accounts” in the main menu.
- Click “See Available Certificates.”
- This will bring you to the Certificate Rate Board. Click on the desired certificate.
- Click “Purchase Online.”
- Follow the prompts to complete the account opening process.
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- Login to your account on the Mobile App.
- From the home screen, tap “Open a New Certificate.”
- The Certificate Rate Board will appear. Select the desired certificate.
- Tap “Purchase Online.”
- Follow the prompts to complete the account opening process.
Recognized by Buy Side from WSJ (The Wall Street Journal) for offering competitive rates on 1-year certificate accounts in March of 2024.
