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Rates effective July 1, 2009 through July 2, 2009 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 |
0.25%
0.25%
0.25%
0.25%
0.25%
0.25%
0.25% |
$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%
0.95%
1.05%
1.10%
1.25%
1.35%
1.50% |
$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 |
0.25% |
$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 |
0.60%
0.70%
0.75% |
$20,000* |
Premier Checking (Gold Rate)
Compare Competitors' Rates |
$25 |
$2,500.00 |
0.25% |
$2,500 |
| Advantage Checking |
$25 |
N/A |
N/A |
$750 |
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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. Dividends of less than $.01 earned during the month will not be reflected on the account and do not carry over to the next month.
* 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) |
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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 |
"Gold" level rates are shown below**
Platinum members - add .15% to the rates below |
|
Annual Percentage Yield
as high as ** |
Annual Percentage Yield
as high as ** |
|
|
0.85% |
0.95% |
|
|
1.00% |
1.10% |
|
|
1.45% |
1.55% |
12 Month Flex Compare Certificate † |
1.30% |
N/A |
| 12 Month Bump Rate Compare Certificate † |
1.35% |
N/A |
|
|
1.85% |
1.95% |
|
|
1.95% |
2.05% |
| Compare 36 Month |
2.60% |
2.70% |
|
|
2.95% |
3.05% |
|
|
3.00% |
3.10% |
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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 Silver and Platinum tiers, as shown below.
NEW MEMBER BENEFIT: LFCU will waive your early termination fee if you decide you want to invest funds from your Certificate in the market. Restrictions apply. Click here for details.
|
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 |
|
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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