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Certificates of Deposit (CDs)

Celebrate the West Lansing lobby reopening with a 30 month Jumbo CD at a rate as high as 3.00% APY^

Certificates of deposit are a great way for you to earn higher, fixed dividends on money that you invest for a set time period. You can open a Jumbo CD at LAFCU for as little as $10,000, and choose the term that fits your needs. Open a regular CD for as little as $500 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.

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
TermRateAPY*
Jumbo Term Share Certificates
12 Month 2.90% 2.94%
24 Month 3.40% 3.45%
36 Month 3.85% 3.92%
48 Month 4.00% 4.07%
60 Month 4.18% 4.26%
*Annual Percentage Yield.  Rates accurate as of 11/25/22. 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.
HSA & IRA Jumbo Certificates
12 Month 2.90% 2.94%
24 Month 3.40% 3.45%
36 Month 4.05% 4.13%
48 Month 4.10% 4.18%
60 Month 4.20% 4.28%
*Annual Percentage Yield.  Rates accurate as of 11/25/22. 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.

Term Share, Youth, IRA & HSA Certificates
TermRateAPY*
Youth Certificates
12 Month 2.80% 2.84%
Regular Term Share Certificates
3 Month 2.00% 2.02%
6 Month 2.65% 2.68%
12 Month 2.80% 2.84%
24 Month 3.10% 3.14%
36 Month 3.55% 3.61%
48 Month 3.70% 3.76%
60 Month 3.98% 4.05%
* Annual Percentage Yield. Rates accurate as of 11/25/22. 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.
IRA & HSA
3 Month 2.00% 2.02%
6 Month 2.10% 2.12%
12 Month 2.80% 2.84%
24 Month 3.10% 3.14%
36 Month 3.55% 3.61%
48 Month 3.70% 3.76%
60 Month 3.75% 3.82%
* Annual Percentage Yield. Rates accurate as of 11/25/22. 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. Rates accurate as of 09/01/22. Rates are subject to change without notice. The offer includes a 30-month Jumbo CD as high as 3.00% APY. This offer is good from September 1 – November 30, 2022. 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.

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