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Share Certificates

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  • “Share” the News…Rates Are Red Hot!

    Enjoy guaranteed returns with LAPFCU’s share certificates, one of the safest investments you can make, with some of the highest dividend rates. You pick the amount and term that works best for you. Then watch your money grow!

    Plus, get a 0.25% APY* dividend bonus when you qualify for our Member Benefits program.

    Share Certificates are a smart choice if you are:

    • Saving to purchase a new home
    • Helping with college and tuition expenses
    • Investing small inheritances
    • Looking to expand small gambling or lottery winnings
    • Nearing retirement and seeking low-risk investment options

     

  • Rates

    Term Share Certificates – Member Benefit Rates

    Term**Regular $500 - $49,999 APY* Jumbo $50,000 - $99,999 APY* Super Jumbo $100,000+ APY*
    3 months1.40% 1.45% 1.50%
    6 months1.85% 1.90% 1.95%
    1 year3.00% 3.05% 3.10%
    2 years 3.05% 3.10% 3.15%
    3 years3.15% 3.20% 3.25%
    4 years3.20% 3.25% 3.30%
    5 years3.35%3.40% 3.45%

    EFFECTIVE RATE DATE: January 27, 2023
    TERM SHARE CERTIFICATES: Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details. All Rates and Terms are subject to change without notice.

    *APY = Annual Percentage Yield.
    **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 Member Benefits upon certificate renewal, rate bonus will automatically be applied.




    Youth Term Share Certificates – Member Benefit Rates

    Youth Share Certificates APY*
    6 months 1.85%
    1 year 3.00%

    EFFECTIVE RATE DATE: January 19, 2023

    YOUTH TERM SHARE CERTIFICATE – $100.00 minimum to open. Early withdrawal penalties may apply. Ask for complete details.

    The Dividend Rate and APY for each Youth Share Certificate Account are set forth above. The Dividend Rate and APY on all Term Share Certificates are subject to change at any time, as determined by the Credit Union’s Board of Directors. If a Term Share Certificate Account were opened, the applicable Dividend Rate and APY set forth above would be paid for the length of the term listed for such account. All Rates and Terms are subject to change without notice.

    *APY = Annual Percentage Yield.


    IRA Term Certificates- Member Benefit Rates

    Term Regular $500 - $49,999 APY*Jumbo $50,000 - $99,999 APY*Super Jumbo $100,000+ APY*
    6 months 1.85% 1.90% 1.95%
    1 year3.00% 3.05% 3.10%
    2 years 3.05% 3.10% 3.15%
    3 years 3.15% 3.20% 3.25%
    4 years 3.20% 3.25% 3.30%
    5 years 3.35% 3.40% 3.45%

    EFFECTIVE RATE DATE: January 27, 2023
    IRA TERM CERTIFICATES – Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details. Rates are subject to change.

    *APY = Annual Percentage Yield.
    **Rate bonus is applicable for new and renewing IRA 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 Member Benefits upon certificate renewal, rate bonus will automatically be applied.



  • FAQS

    What is the minimum opening deposit?

    The minimum opening deposit for a Share Certificate is $500.

    For a Jumbo Certificate, it is $50,000 and for a Super Jumbo Certificate, it is $100,000.

    Can I make additional deposits on this account?

    Deposits are restricted until the certificate matures (e.g. until the term is over).

    What are the rules for withdrawals?

    Interest can be paid out monthly. There is a dividend penalty if a member withdraws any principal prior to maturity. Early withdrawal penalties do not apply to withdrawals made after the death of any owner of the account.

    Help

    For more information, or if you have questions, please get in touch with us.

    Contact Us

MAKE YOUR MONEY WORK HARDER FOR YOU!

Open a share certificate with a great rate today!

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  • Guaranteed dividends with great rates
  • Better interest rates for higher balances
  • Safe investment, federally insured
  • Flexible terms—from three months to five years
  • Youth and IRA Share Certificates also available

Questions? Call us @ (877) 695-2732

Disclosures

*APY = Annual Percentage Yield. Minimum opening deposit for a regular share certificate is $500. Early withdrawal penalties may apply. Ask for complete details. 1122-24