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Rates effective May 9, 2008 through May 15, 2008 and are subject to change.
For current rate information, please call (800) 328-LFCU.
Savings, Money Market, and Checking Account Rates |
|
Account Type |
Minimum Deposit To Open Acct. |
Minimum Balance to Earn Dividends |
Annual Percentage Yield |
Minimum Balance to Avoid Fees |
Main Savings
Dividends are earned daily and credited and compounded monthly at the rate which corresponds to your account balance.
Compare Competitors' Rates |
$5 |
$ .01 - 2,499.99
$ 2,500.00 - 7,499.99
$ 7,500.00 - 9,999.99
$10,000.00 - 24,999.99
$25,000.00 - 49,999.99
$50,000.00 - 99,999.99
$100,000.00 and Over |
0.50%
0.50%
0.50%
0.75%
0.75%
0.90%
1.15% |
$500** |
| Additional Savings, Holiday, and Vacation Club Savings |
None |
Same as Main Savings Above |
N/A |
Money Market
Dividends are earned daily and credited and compounded monthly at the rate which corresponds to your account balance.
Compare Competitors' Rates |
$2,500 |
$ .01 - 2,499.99
$ 2,500.00 - 7,499.99
$ 7,500.00 - 9,999.99
$10,000.00 - 24,999.99
$25,000.00 - 49,999.99
$50,000.00 - 99,999.99
$100,000.00 and Over |
0.50%
2.00%
2.00%
2.55%
3.05%
3.15%
3.30% |
$2,500** |
| IRA Savings |
None |
Same as Money Market Account Above |
N/A |
Market Maximizer
Compare Competitors' Rates |
$25,000 |
$25,000 to earn stated rate, otherwise, savings rate applies |
2.03% |
$25,000 |
High Rate Checking
Compare Competitors' Rates |
$20,000 |
$20,000.00 - 49,999.99
$50,000.00 - 99,999.99
$100,000.00 and Over |
1.25%
1.90%
2.15% |
$20,000 |
Premier Checking (Gold Rate)
Compare Competitors' Rates |
$25 |
$2,500 |
1.10% |
$2,500 |
| Classic Checking |
$25 |
N/A |
N/A |
$750 |
| Value Checking |
$25 |
N/A |
N/A |
N/A |
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$5 minimum balance is required to maintain a Main Savings account. Fees may reduce earnings on accounts. Rates on savings, money market, and checking accounts are variable and are subject to change after the account is opened.
** For monthly low balance fees, refer to the current Schedule of Service Charges and Fees. |
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| Compare Competitors' Rates |
Regular Certificate Accounts
$1,000 minimum required -
$500 for Education IRAs |
Jumbo Certificate Accounts
($100,000 minimum required) |
|
The certificate rates shown here include a .50% dividend rate bonus for members who qualify for the Gold Relationship Rewards tier.
See disclosure below for more information. | |
|
Certificate
Account Type/Term |
Annual Percentage Yield
as high as ** |
Annual Percentage Yield
as high as ** |
|
|
2.25% |
2.50% |
|
|
2.85% |
3.10% |
|
|
2.90% |
3.15% |
12 Month Flex Compare Certificate † |
2.74% |
N/A |
| 12 Month Bump Rate Compare Certificate † |
2.80% |
N/A |
|
|
2.95% |
3.20% |
|
|
2.95% |
3.20% |
| Compare 36 Month |
3.00% |
3.25% |
|
|
3.05% |
3.30% |
|
|
3.20% |
3.45% |
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** Certificate rates listed at above include a .50% dividend rate increase for members who qualify for the Gold tier of Relationship Rewards. You are eligible for the Gold tier if you have a checking or Money Market account with LFCU and combined Savings, Checking or Money Market and loan balances of $25,000. Members who hold a Brokerage account with LFCU, automatically qualify for Gold Rewards! Different dividend rates apply for Bronze, Silver and Platinum tiers, as shown below:
|
Relationship Rewards Tier |
Difference from certificate rates shown |
Combined loan and core savings balances required |
|
Platinum |
+0.15% |
$100,000 |
|
Gold |
As shown |
$25,000 |
|
Silver |
-0.25% |
$10,000 |
|
Bronze |
-0.45% |
$5,000 |
|
No tier |
-0.50% |
None |
To see the specific rates that apply to your Relationship Rewards tier, click here.
† Bump Rate Certificate allows you to increase your rate/yield one time during your term if LFCU's current Bump Rate is greater than the rate you are earning on your account. Early withdrawal penalties apply. $5,000 minimum deposit required for Bump Rate Certificate. Flex and Bump Rate Certificates can not be opened as IRA accounts. |
All Advertised Rates are Subject to Change Without Notice.
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