Certificates of Deposit (CDs)
Join in on the IRA CD Money Madness!
Offer is valid 03/01/23 - 04/30/23
You can choose your IRA CD Champion with special rates on the 12 month or 24 month terms.*
View IRA CD Offer
Certificates of deposit are a great way for you to earn higher, fixed dividends on money that you invest for a set time period. Open a regular CD for as little as $500, a Jumbo CD for as little as $10,000, or a youth CD for just $50! At LAFCU, you can make more money for less.
There is no charge to open a CD, and your funds are Federally Insured by the NCUA.
Open a CD
If you want to maximize your savings and have periodic access to your funds, talk to a LAFCU representative about a CD laddering strategy.
Jumbo, IRA, & HSA Certificates
| Term | Rate | APY* |
|---|---|---|
Jumbo Term Share Certificates | ||
| 12 Month | 3.35% | 3.40% |
| 24 Month | 4.76% | 4.87% |
| 36 Month | 4.26% | 4.35% |
| 48 Month | 4.18% | 4.26% |
| 60 Month | 4.18% | 4.26% |
| *Annual Percentage Yield. Rates accurate as of 03/24/23. Rates are subject to change without notice. You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Regular Term Share Certificates require a minimum balance of $500 to open. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Jumbo Term Share Certificates require a minimum balance of $10,000 to open. Penalties for early withdrawal will apply. **Annual Percentage Yield. Rate accurate as of 02/01/23 and subject to change without notice. Offer includes opening a 24 month Term Share, Jumbo, or IRA CD at 4.87% APY. Term Share or IRA CDs can be opened for as little as $500. Jumbo CDs can be opened for as little as $10,000. Membership is required. Offer runs 02/01/23 - 02/28/23. Penalties for early withdrawal will apply. Other restrictions may apply. | ||
IRA Jumbo Certificates | ||
| 12 Month Special** | 4.89% | 5.00% |
| 24 Month Special** | 4.76% | 4.87% |
| 36 Month | 4.26% | 4.35% |
| 48 Month | 4.18% | 4.26% |
| 60 Month | 4.18% | 4.26% |
| *Annual Percentage Yield. Rates accurate as of 03/24/23. Rates are subject to change without notice. You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Regular Term Share Certificates require a minimum balance of $500 to open. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Jumbo Term Share Certificates require a minimum balance of $10,000 to open. Penalties for early withdrawal will apply. **Annual Percentage Yield. Rate accurate as of 03/01/23 and subject to change without notice. Offer includes opening a 12 month IRA CD at 5.0% APY and/or a 24 month IRA CD at 4.87% APY for as little as $500. A Jumbo IRA CD requires a minimum of $10,000 to open. Membership is required. Offer runs 03/01/23 - 04/30/23. Penalties for early withdrawal will apply. Other restrictions may apply. | ||
MOOve Rate Jumbo | ||
| 24 Month | 4.75% | 4.86% |
| 36 Month | 4.26% | 4.35% |
| 48 Month | 4.18% | 4.26% |
| 60 Month | 4.18% | 4.26% |
| *Rates are subject to change. Valid on 24-month, 36-month, 48-month, and 60-month MOO-ve Rate Jumbo Certificate of Deposit accounts. Once you purchase a MOO-ve Rate Jumbo Certificate you are permitted an option for one-rate change from the current rate to a currently offered rate for the same term-Jumbo product. This is permitted once during the first 12 months after initial purchase and is required to be requested in person, written or via Online banking. the APY assumes that interest earned will remain on deposit until maturity. A withdrawal from this account will reduce earnings. View Full Disclosure | ||
Term Share, Youth, IRA & HSA Certificates
| Term | Rate | APY* |
|---|---|---|
Youth Certificates | ||
| 12 Month | 3.25% | 3.30% |
Regular Term Share Certificates | ||
| 3 Month | 2.00% | 2.02% |
| 6 Month | 2.73% | 2.76% |
| 12 Month | 3.25% | 3.30% |
| 24 Month | 4.76% | 4.87% |
| 36 Month | 4.05% | 4.13% |
| 48 Month | 3.98% | 4.05% |
| 60 Month | 3.98% | 4.05% |
| * Annual Percentage Yield. Rates accurate as of 03/24/23. Rates are subject to change without notice. You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Regular Term Share Certificates require a minimum balance of $500 to open. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Jumbo Term Share Certificates require a minimum balance of $10,000 to open. Penalties for early withdrawal will apply. **Annual Percentage Yield. Rate accurate as of 02/01/23 and subject to change without notice. Offer includes opening a 24 month Term Share or IRA CD at 4.87% APY for as little as $500. Membership is required. Offer runs 02/01/23 - 02/28/23. Penalties for early withdrawal will apply. Other restrictions may apply. | ||
IRA Certificates | ||
| 3 Month | 2.00% | 2.02% |
| 6 Month | 2.73% | 2.76% |
| 12 Month Special** | 4.89% | 5.00% |
| 24 Month Special** | 4.76% | 4.87% |
| 36 Month | 4.05% | 4.13% |
| 48 Month | 3.98% | 4.05% |
| 60 Month | 3.98% | 4.05% |
| * Annual Percentage Yield. Rates accurate as of 03/24/23. Rates are subject to change without notice. You are solely responsible for complying with any requirements including transaction limitations and penalties for early withdrawal under the Internal Revenue Code or other applicable Federal or State law governing any IRA or other Credit Union accounts. Regular Term Share Certificates require a minimum balance of $500 to open. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Jumbo Term Share Certificates require a minimum balance of $10,000 to open. Penalties for early withdrawal will apply. **Annual Percentage Yield. Rate accurate as of 03/01/23 and subject to change without notice. Offer includes opening a 12 month IRA CD at 5.0% APY and/or a 24 month IRA CD at 4.87% APY for as little as $500. A Jumbo IRA CD requires a minimum of $10,000 to open. Membership is required. Offer runs 03/01/23 - 04/30/23. Penalties for early withdrawal will apply. Other restrictions may apply. | ||
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