Share Products Rates
Reach your financial goals faster with higher earnings on Savings and Share Certificate accounts.
Giving your savings an extra push
We set our dividend rates as high as possible to make it easier for individuals and businesses to reach their financial goals.
REGULAR SHARES
Effective Date: April 17, 2024
| Account Type | Minimum Balance* | APY* |
|---|---|---|
| Regular Shares | $5 to open | 0.05% |
*
APY = Annual Percentage Yield. LAPFCU may change the dividend rate at any time. The minimum opening deposit requirement and balance for a Regular Share account is $5.00. To avoid a monthly maintenance fee of $5.00, you must: maintain an average daily balance at least equal to $250.00 during each calendar month; or maintain two or more accounts under the same member number with LAPFCU during each calendar month – deposit or credit related; or not have reached your 24th birthday. Fees may reduce the earnings on the account.
MERRY MONEY
Effective Date: April 17, 2024
| Account Type | Minimum Balance* | APY* |
|---|---|---|
| Merry Money | $0 | 0.05% |
*
APY = Annual Percentage Yield. LAPFCU may change the dividend rate at any time. No minimum balance required, however you must deposit a minimum of $5.00 to open the account.
VACATION VAULT
Effective Date: April 17, 2024
| Account Type | Minimum Balance* | APY* |
|---|---|---|
| Vacation Vault | $0 | 0.05% |
*
APY = Annual Percentage Yield. LAPFCU may change the dividend rate at any time. No minimum balance required, however you must deposit a minimum of $5.00 to open the account.
CHECKING
Effective Date: March 2, 2026
| Account Type | Minimum Balance | APY* |
|---|---|---|
| EZ Checking | $25 | None |
| Guardian Checking | $25 | None |
| Performance Checking | $25 | 0.25%** |
*
APY = Annual Percentage Yield
**
In order to obtain dividends for your Performance Checking Account, you must maintain a minimum average daily balance of $5,000.00 and make at least one direct deposit or other recurring ACH credit into your account that is at least equal to $500.00 for each qualification cycle. LAPFCU may change the dividend rate at any time. There is a monthly maintenance fee of $5.95. To avoid that fee, you must maintain an average daily balance of at least $1,000.00 during each calendar month. No minimum balance required; however, you must deposit a minimum of $25 to open the account.
PREFERRED MONEY MARKET ACCOUNT
Effective Date: March 6, 2026
| Deposit Balance Range | APY* |
|---|---|
| $10,000 - $24,999 | 2.60% |
| $25,000 - $49,999 | 2.70% |
| $50,000 - $99,999 | 2.80% |
| $100,000+ | 2.90% |
*
APY = Annual Percentage Yield. The minimum amount required to open a Preferred Money Market Account is $10,000 and must consist of funds not currently held at LAPFCU. The minimum daily balance requirement to maintain and receive the higher dividend rate and corresponding APY offered by the Preferred Money Market Account is $10,000. If the daily balance falls below $10,000, the regular Money Market Account dividend rate and corresponding APY will be applied. Dividends on Preferred Money Market Accounts are calculated daily based on the daily ending balance. LAPFCU may change the dividend rate/APY at any time.
MONEY MARKET RATES – REGULAR AND IRA
Effective Date: April 17, 2024
| Balance* | Regular Money Market APY* | IRA Money Market APY* |
|---|---|---|
| < $2,500 | 0.05% | 0.05% |
| $2,500 - $9,999 | 0.50% | 0.50% |
| $10,000 - $24,999 | 0.60% | 0.60% |
| $25,000 - $49,999 | 0.65% | 0.65% |
| $50,000 - $99,999 | 0.70% | 0.70% |
| $100,000+ | 0.90% | 0.90% |
*
APY = Annual Percentage Yield. No minimum balance required, however you must deposit a minimum of $2,500 to open the account. Dividends on Money Market Accounts are calculated daily based on the daily ending balance. LAPFCU may change the dividend rate at any time.
IRA Term Share Certificates - Relationship Rewards Rates
Effective Date: March 2, 2026
| Term | Regular $500 - $49,999 APY AS HIGH AS* | Jumbo $50,000 - $99,999 APY AS HIGH AS* | Super Jumbo $100,000+ APY AS HIGH AS* |
|---|---|---|---|
| 6 months | 2.75% | 2.80% | 2.85% |
| 1 year | 3.40% | 3.45% | 3.50% |
| 2 years | 3.45% | 3.50% | 3.55% |
| 3 years | 3.50% | 3.55% | 3.60% |
| 4 years | 3.55% | 3.60% | 3.65% |
| 5 years | 3.60% | 3.65% | 3.70% |
*
APY = Annual Percentage Yield. The “APY AS HIGH AS” dividend rates listed above include a 0.25% Ultimate tier dividend rate bonus through our Relationship Rewards Program (Program). Rate bonus is applicable for new and renewing Share Certificates. Any rate bonus received will remain in effect for the term of the certificate. Program rate bonus may not be combined with any other promotion. If you qualify for the program upon certificate renewal, the rate bonus will automatically be applied. Go to lapfcu.org/relationship-rewards for complete details. Early withdrawal penalties may apply. All rates and terms are subject to change without notice.
TERM SHARE CERTIFICATES – RELATIONSHIP REWARDS RATES
Effective Date: March 2, 2026
| Term | Regular $500 - $49,999 APY AS HIGH AS* | Jumbo $50,000 - $99,999 APY AS HIGH AS* | Super Jumbo $100,000+ APY AS HIGH AS* |
|---|---|---|---|
| 3 months | 2.25% | 2.30% | 2.35% |
| 6 months | 2.75% | 2.80% | 2.85% |
| 7 months | 3.50% | 3.50% | 3.50% |
| 1 year | 3.40% | 3.45% | 3.50% |
| 2 years | 3.45% | 3.5% | 3.55% |
| 3 years | 3.50% | 3.55% | 3.60% |
| 4 years | 3.55% | 3.60% | 3.65% |
| 5 years | 3.60% | 3.65% | 3.70% |
*
APY = Annual Percentage Yield. The “APY AS HIGH AS” dividend rates listed above include a 0.25% Ultimate tier dividend rate bonus through our Relationship Rewards Program (Program). Rate bonus is applicable for new and renewing Share Certificates. Any rate bonus received will remain in effect for the term of the certificate. Program rate bonus may not be combined with any other promotion. If you qualify for the program upon certificate renewal, the rate bonus will automatically be applied. Go to lapfcu.org/relationship-rewards for complete details. Early withdrawal penalties may apply. All rates and terms are subject to change without notice.
YOUTH TERM SHARE CERTIFICATES – RELATIONSHIP REWARDS RATES
Effective Date: March 2, 2026
| Youth Share Certificates | APY AS HIGH AS* |
|---|---|
| 6 months | 2.75% |
| 1 year | 3.40% |
*
APY = Annual Percentage Yield. The “APY AS HIGH AS” dividend rates listed above include a 0.25% Ultimate tier dividend rate bonus through our Relationship Rewards Program (Program). Rate bonus is applicable for new and renewing Share Certificates. Any rate bonus received will remain in effect for the term of the certificate. Program rate bonus may not be combined with any other promotion. If you qualify for the program upon certificate renewal, the rate bonus will automatically be applied. Go to lapfcu.org/relationship-rewards for complete details. Early withdrawal penalties may apply. All rates and terms are subject to change without notice.
LAPFCU is a full service financial services provider for sworn and civilian law enforcement professionals of federal, state, county, and city agencies and their family members in Southern California.