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Rates

Auto Rates
DescriptionAs Low As
New and Used Vehicle Loans 5.99% APR*
* Annual Percentage Rate. Rates accurate as of 02/01/23. Rates are subject to change without notice. Rate determined by credit history, terms, and security. Vehicle insurance is required. New purchases or refinances from other financial institutions only. Some restrictions may apply.

Recreational Loan Rates
DescriptionAs Low As
Motorsports & Campers
Lawn tractors, dirt bikes, snowmobiles, jet ski's, and small RV's
7.29% APR*
Large RV & Boat
Motor homes, fifth-wheelers, boats, and travel trailers
5.99% APR*
Terms up to 180 months 7.19% APR*
Motorcycles
600 CC and up
5.99% APR*
* Annual Percentage Rate. Rates accurate as of 02/01/23. Rates are subject to change without notice. Rate determined by credit history, terms, and security. Monthly payments of $8.71 for every $1,000 financed at 6.49% APR for a term of 180 months. Recreational insurance is required. New purchases or refinances from other financial institutions only. Some restrictions may apply.

Home Equity Loan & Home Improvement Rates
DescriptionAs Low As
Home Equity Loan (Fixed Rate) 6.39% APR*
Home Equity Line of Credit 7.00% APR*
Home Improvement Loan 8.49% APR*
Michigan Saves Home Energy Loan 5.49% APR*
Mortgage Retirement Loan 6.54% APR*
*Annual Percentage Rate. Rates accurate as of 02/01/23. Rates may vary based on credit history and LAFCU's underwriting guidelines. The variable APR for Home Equity Line of Credit ranges from 4.25% -  8.75% APR. The interest rate is subject to change without notice and will not be lower than 3% APR and will not exceed 18% APR. Interest may be tax-deductible; please consult your tax advisor. Michigan owner-occupied properties only. Property insurance is required. Additional restrictions may apply.

Personal Loan Rates
DescriptionAs Low As
Debt Consolidation Loan 8.49% APR*
Your Life. Your Loan. 8.49% APR*
*Annual Percentage Rate. Rates accurate as of 02/01/23. Programs, rates, terms and conditions are subject to change without notice.  Subject to credit qualification and approval. Rate may vary based on individual creditworthiness. Additional restrictions may apply.

Credit Card Rates
DescriptionAs Low As
Visa Signature 18.49% APR*
Simple Visa 8.49% APR*
Rewards Visa 12.65% APR*
* Annual Percentage Rate. Rates accurate as of 02/01/23. All credit cards offer a 25 day grace period.  Other rates and fees apply.

Visa Credit Card Agreement
Visa Signature Rate & Fees
Simple/Rewards Visa Rate & Fees

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e-Checking
DescriptionDividend RateAPY*
e-Checking 0.00% 0.00%

Checking
DescriptionDividend RateAPY*
Regular Tier 1 - $0 - $2,499.99 0.00% 0.00%
Regular Tier 2 - $2,500 - $9,999.99 0.05% 0.05%
Regular Tier 3 - $10,000 & Above 0.10% 0.10%
Dividends paid only on funds within specified range.
*Annual Percentage Yield. Rates accurate as of 02/01/23. Rates are subject to change without notice. Dividend rates and annual percentage yield on regular checking accounts are on entire balance when funds are within specified range.

Business Checking Account
Account TypeDividend RateAPY*Dividends CompoundedDividends CreditedDividends PeriodMaintenance FeeMinimum Balance to Avoid Maintenance Fee
Small Business Checking
First 75 items free, then $0.25 ea
  0.00% 0.00% n/a n/a n/a $5.00 $200.00
Business Advantage Checking
First 200 items free, then $0.25 ea
  0.00% 0.00% n/a n/a n/a $15.00 $2,000.00
Premier Checking
First 200 items free, then $0.25 ea
$0 - $2,499.99 0.00% 0.00% Monthly Monthly Monthly $25.00 $20,000.00
$2,500 - $9,999.99 0.05% 0.05% Monthly Monthly Monthly $25.00 $20,000.00
$10,000 and above 0.10% 0.10% Monthly Monthly Monthly $25.00 $20,000.00
* Annual Percentage Yield.

Jumbo, IRA, & HSA Certificates
TermRateAPY*
Jumbo Term Share Certificates
12 Month 2.90% 2.94%
24 Month Special** 4.76% 4.87%
36 Month 4.56% 4.66%
48 Month 4.37% 4.46%
60 Month 4.18% 4.26%
*Annual Percentage Yield.  Rates accurate as of 02/01/23. 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.
HSA & IRA Jumbo Certificates
12 Month 2.90% 2.94%
24 Month Special** 4.76% 4.87%
36 Month 4.66% 4.76%
48 Month 4.47% 4.56%
60 Month 4.28% 4.36%
*Annual Percentage Yield.  Rates accurate as of 02/01/23. 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.
MOOve Rate Jumbo
24 Month 4.75% 4.86%
36 Month 4.56% 4.66%
48 Month 4.37% 4.46%
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
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 Special** 4.76% 4.87%
36 Month 4.26% 4.35%
48 Month 4.07% 4.15%
60 Month 3.98% 4.05%
* Annual Percentage Yield. Rates accurate as of 02/01/23. 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 & HSA
3 Month 2.00% 2.02%
6 Month 2.65% 2.68%
12 Month 2.80% 2.84%
24 Month Special** 4.76% 4.86%
36 Month 4.26% 4.35%
48 Month 4.07% 4.15%
60 Month 3.98% 4.05%
* Annual Percentage Yield. Rates accurate as of 02/01/23. 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.

Money Market Rates
DescriptionDividend RateAPY*
$2,500 - 19,999.99 0.10% 0.10%
$20,000 - $99,999.99 0.15% 0.15%
$100,000 - $149,999.99 0.15% 0.15%
$150,000 & Above 0.20% 0.20%
* Annual Percentage Yield. Rates accurate as of 02/01/23.  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. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Minimum daily balance of $2,500 required to earn dividend on Money Market. Fees could reduce earnings.

IRA & HSA Money Market Rates
DescriptionDividend RateAPY*
$0 - 4,999.99 0.10% 0.10%
$5,000 - $19,999.99 0.15% 0.15%
$20,000 - $99,999.99 0.15% 0.15%
$100,000 & Above 0.20% 0.20%
* Annual Percentage Yield. Rates accurate as of 02/01/23. 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. Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range.

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