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Rates

  • VEHICLE LOANS

    Auto Loans

    Loan TypeTerm**Member Benefits Fixed Rate APR*
    New AutoUp to 60 months Up to 125% of Retail Value*** 1.990% – 8.990%
    Up to 72 months Up to 125% of Retail Value*** 3.490% – 9.490%
    Up to 84 months ($15,000 or more) Up to 125% of Retail Value*** 3.990% – 9.990%
    Up to 120 months ($25,000 or more) Up to 125% of Retail Value*** 5.990% – 11.990%
    Used AutoUp to 60 months Up to 110% of Retail Value*** 1.990% – 8.990%
    Up to 72 months Up to 110% of Retail Value*** 3.490% – 9.490%
    Up to 84 months ($15,000 or more) Up to 110% of Retail Value*** 3.990% – 9.990%

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 1.99% fixed APR for 60 months requires a FICO score of 800 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://www.lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 1.990% fixed APR with zero down payment will have 60 monthly payments of $17.52 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.
    ***Up to 125% financing for new automobiles and 110% for used/classic automobiles of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Motorcycle Loans

    Loan Type Term**Member Benefits Fixed Rate APR*
    New Motorcycle Up to 60 months Up to 125% of Retail Value*** 2.750% – 9.740%
    61 to 72 months Up to 125% of Retail Value*** 4.450% – 10.450%
    73 to 84 months (Financed Amount $25,000 or more) Up to 125% of Retail Value*** 5.075% – 11.075%
    85 to 120 months Up to 125% of Retail Value*** 7.325% – 13.325%
    Used Motorcycle Up to 60 months Up to 110% of Retail Value ($6,000 to $24,999)*** 2.990% – 10.000%
    61 to 72 months Up to 110% of Retail Value ($6,000 to $24,999)*** 4.990% – 10.990%
    73 to 84 months (Financed Amount $25,000 or more) Up to 110% of Retail Value*** 5.850% – 11.850%

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 2.75% fixed APR for 60 months requires a FICO score of 800 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://www.lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 2.75% fixed APR with zero down payment will have 60 monthly payments of $17.86 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.
    ***Up to 125% financing for new motorcycles and 110% for used/classic motorcycles of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Boat & Watercraft Loans

    Loan Type Term**Member Benefits Fixed Rate APR*
    New Boat & Watercraft Up to 84 months Up to 125% of Retail Value*** 3.500% – 10.250%
    85 to 144 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 4.990% – 10.990%
    145 to 180 months (Financed Amount $50,000 or more. Up to 240 months if member states in writing he or she plans to use vehicle as primary residence.) Up to 125% of Retail Value*** 5.730% – 11.730%
    Used Boat & Watercraft Up to 72 months Up to 110% of Retail Value*** 3.500% – 10.250%
    85 to 144 months (Financed Amount $30,000 or more) Up to 110% of Retail Value*** 5.025% – 11.025%
    145 to 180 months (Financed Amount $50,000 or more. Up to 240 months if member states in writing he or she plans to use vehicle as primary residence.) Up to 110% of Retail Value*** 6.240% – 12.240%

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 3.500% fixed APR for 84 months requires a FICO score of 800 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://www.lapfcu.org/member-benefits/ for complete details. 84-month term payment example: A 7-year loan at 3.500% fixed APR with zero down payment will have 84 monthly payments of $13.44 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.
    ***Up to 125% financing for new boats/watercraft and 110% for used/classic boats/watercraft of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Motor Home & Travel Trailer Loans

    Loan TypeTerm** Member Benefits Fixed Rate APR*
    NEW MOTORHOMES / TRAVEL TRAILERS Up to 84 months Up to 125% of Retail Value*** 3.500% – 9.750%
    85 to 144 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 4.990% – 10.990%
    145 to 180 months (Financed Amount $50,000 or more. Up to 240 months if member states in writing he or she plans to use vehicle as primary residence.) Up to 125% of Retail Value*** 5.250% – 11.250%
    USED MOTORHOMES / TRAVEL TRAILERS Up to 84 months Up to 110% of Retail Value*** 3.500% – 9.750%
    85 to 144 months (Financed Amount $30,000 or more) Up to 110% of Retail Value*** 4.990% – 10.990%
    145 to 180 months (Financed Amount $50,000 or more. Up to 240 months if member states in writing he or she plans to use vehicle as primary residence.) Up to 110% of Retail Value*** 6.000% – 12.000%

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 3.500% fixed APR for 84 months requires a FICO score of 800 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://www.lapfcu.org/member-benefits/ for complete details. 84-month term payment example: A 7-year loan at 3.500% fixed APR with zero down payment will have 84 monthly payments of $13.44 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.
    ***Up to 125% financing for new motor home/travel trailer and 110% for used/classic motor home/travel trailer of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.


    Aircraft Loans

    Loan Type Term** Member Benefits Fixed Rate APR*
    New Aircraft Up to 84 months Up to 125% of Retail Value*** 7.500% – 14.500%
    85 to 144 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 8.600% – 14.600%
    144 to 180 months (Financed Amount $30,000 or more) Up to 125% of Retail Value*** 10.600% – 16.600%
    Used Aircraft Up to 84 months Up to 110% of Retail Value*** 8.000% – 15.000%
    85 to 144 months (Financed Amount $30,000 or more) Up to 110% of Retail Value*** 9.250% – 15.250%

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
    **To qualify got 7.500% fixed APR for 84 months requires a FICO score of 800 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://www.lapfcu.org/member-benefits/ for complete details. 84-month term payment example: A 7-year loan at 7.500% fixed APR with zero down payment will have 84 monthly payments of $15.34 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.
    ***Up to 125% financing for new aircraft and 110% for used/classic aircraft of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit.

  • HOME EQUITY LOANS/LINES

    Home Equity Loans

    Fixed Rate APR*
    Fixed Rate Equity Loan Up to 80% Loan to Value
    Up to 84 months 5.000%
    85 – 120 months 5.500%
    121 – 180 months 5.750%
    181 – 240 months 5.990

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. 5.00% Fixed APR is based on a loan term of up to 84 months. Minimum loan amount $5,000. Up to 70% combined loan to value (CLTV) and a max term of 15 years for non-owner occupied properties. Up to 80% CLTV and 20-year term on owner occupied properties. Loans available on 1-4 dwellings. Equity loans available in the following states only: California, Arizona, Colorado, Idaho, Montana, Nevada, Oregon and Utah. Payment example: a $35,000 loan with a 5.00% fixed APR for 84 months would cost $14.14 per $1,000 borrowed. $500.00 fee for early termination if closed prior to two (2) years. Property hazard insurance is required. All loans are subject to creditworthiness. All rates and terms are subject to change without
    notice. Other restrictions may apply, ask for details.

    Home Equity Line of Credit

    Variable APR**Home Equity Line of Credit (HELOC)
    6.250%Up to 80% Loan to Value
    Minimum Line $5,000

    EFFECTIVE RATE DATE: May 9, 2019

    **APR = Annual Percentage Rate. 6.00% Variable APR. Variable rates may increase or decrease during the term of the agreement. Maximum life APR cap is 15.99%. Up to 80% combined loan to value for owner occupied properties located in California only. Requires a minimum draw of $5,000.00 at funding. If balance is at zero, a yearly draw of $100.00 is required to avoid the non-usage fee of $75.00. $500.00 fee for early termination if closed prior to two (2) years. Property hazard insurance is required. All loans are subject to creditworthiness. All rates and terms are subject to change without notice. Other restrictions may apply, ask for details.

     

  • Mortgages

  • VISA®

    My First Visa

    Interest Rates and Interest Charges
    Maximum Limit: $1,000
    Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances 0.00% introductory APR for six months*. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness.
    Penalty APR and when it applies 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
    How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.


    My First Visa Fees

    Fees
    Annual Fee None
    Balance Transfers None
    Transaction Fees – Cash Advance Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00).
    Transaction Fees – Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars
    Penalty Fees – Late Payment Up to $15.00
    Penalty Fees – Returned Payment Up to $25.00

    How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”

    The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at 877-MY-LAPFCU (877-695-2732), or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.


    Classic Visa

    Interest Rates and Interest Charges
    Maximum Limit: $100,000
    Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances 0.00% introductory APR for six months*. After that, your non-variable APR will be between 12.99% and 17.90%, based on your creditworthiness.
    Penalty APR and when it applies 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
    How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.


    Classic Visa Fees

    Fees
    Annual FeeNone
    Balance Transfers None
    Transaction Fees – Cash Advance Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00).
    Transaction Fees – Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars
    Penalty Fees – Late Payment Up to $15.00
    Penalty Fees – Returned Payment Up to $25.00

    How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”

    The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at 877-MY-LAPFCU (877-695-2732), or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.


    Platinum Rewards Visa

    Interest Rates and Interest Charges
    Maximum Limit: $100,000
    Annual Percentage Rate for Purchases, Balance Transfers, and Cash Advances 0.00% introductory APR for six months*. After that, your variable APR rate will be between 9.150% and 17.90%, based on my creditworthiness. This APR will vary with the market based on the Prime Rate.
    Penalty APR and when it applies 17.90%. This APR may be applied to your account if you: 1) Make a late payment; or 2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
    How to Avoid Paying Interest on Purchases and Balance Transfers Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases and balance transfers if you pay your entire balance by the due date each month.
    For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.


    Platinum Rewards Visa Fees

    Fees
    Annual Fee None
    Balance TransferNone
    Transaction Fees – Cash Advance Either $2.00 or 2% of the amount of cash advance, whichever is greater (maximum fee: $25.00).
    Transaction Fees – Foreign Transactions 1.0% of each foreign transaction in non-U.S. currency 0.8% of each foreign transaction in U.S. dollars
    Penalty Fees – Late Payment Up to $15.00
    Penalty Fees – Returned Payment Up to $25.00

    Platinum Rewards Program

    Airline Mileage and Merchandise $1.00 = 1 point. Points have no expiration.

    How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”

    The information is accurate as of date shown above and is subject to change. Please contact LAPFCU for any changes since this date at 877-MY-LAPFCU (877-695-2732), or write us at P.O. Box 10188, Van Nuys, CA 91410 – 0188.

  • LIFESTYLE LOANS

    Lifestyle Loans – Fixed Closed End Loan

    Loan Amount and Term*Member Benefits Fixed Rate APR** Fixed Rate APR Cash
    $500 to $5,000 (48 month term) 9.150% – 15.150% 9.650% – 15.650%
    $5,001 to $14,999 (60 month term) 10.150% – 16.150% 10.650% – 16.650%
    $15,000 to $100,000 (84 month term) 11.150% – 17.150% 11.650% – 17.650%

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. Minimum loan amount of $500 and the maximum loan amount of $100,000. To qualify for 9.150% fixed APR for 48 months requires a FICO score of 800 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant's credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://www.lapfcu.org/member-benefits/ for complete details. 48-month term payment example: A 4-year loan at 9.150% fixed APR will have 48 monthly payments of $24.96 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.
    **APR = Annual Percentage Rate. Member Benefits 0.50% APR reduction includes automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. Program rate reductions may not be combined with any other promotion. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.


    Personal Line of Credit

    TypeVariable Rate APR* Fixed Rate APR**
    Personal Unsecured Line of Credit
    APR10.240% – 16.240% 11.900% – 17.900%
    Payment Amount 2.6% of Balance 2.6% of Balance

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate. This Personal Unsecured Line of Credit has a variable APR of 10.240% to 16.240% based on your creditworthiness. Variable rates may increase or decrease during the term of the loan. Maximum limit: up to $100,000. Finance charges will be assessed starting the day the charge is posted to your account. The APR will vary with the market based on the Prime Rate plus a margin. All rates and terms are subject to change without notice.

    **APR = Annual Percentage Rate. This Personal Unsecured Line of Credit has a fixed APR of 11.900% to 17.900% based on your creditworthiness. Maximum limit: up to $100,000. Finance charges will be assessed starting the day the charge is posted to your account. All rates and terms are subject to change without notice.


    Share & Certificate Secured Loans

    Fixed Rate APR*
    Share Secured Loan
    Up to 36 Months** 2.50%
    37-60 Months**3.00%
    LAPFCU Share Certificate Secured Loan
    Rate*** 2.00% above the dividend rate being paid on the LAPFCU Share Certificate
    Amortized Loan Term Up to the Certificate Maturity Date

    EFFECTIVE RATE DATE: May 9, 2019

    *APR = Annual Percentage Rate.
    **Share Secured Loan Rates reflect a 0.25% APR discount for automatic or payroll deducted payments. Payment example: A 3-year loan at 2.50% fixed APR will have 36 monthly payments of $28.87 for each $1,000 borrowed. All rates and terms are subject to change without notice.
    ***The APR will be based on the dividend rate on the share certificate plus a 2.00% margin. The amortization loan terms are based on the share certificate maturity date. Payment example: A 3-year loan at 3.78% fixed APR will have 36 monthly payments of $29.43 for each $1,000 borrowed. All rates and terms are subject to change without notice.

  • SHARE PRODUCTS

    Regular Shares

    Account Type Minimum Balance* Dividend Rate APY*
    Regular Shares $5 to open 0.05% 0.05%

    EFFECTIVE RATE DATE: May 9, 2019

    *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

    Account Type Minimum Balance* Dividend Rate APY*
    Merry Money $0 0.05% 0.05%

    EFFECTIVE RATE DATE: May 9, 2019

    *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

    Account Type Minimum Balance* Dividend Rate APY*
    Vacation Vault$0 0.05% 0.05%

    EFFECTIVE RATE DATE: May 9, 2019

    *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

    Account Type Minimum Balance Dividend Rate APY*
    EZ Checking $25 None None
    Cash Back Checking $25 NoneNone
    Performance Checking (Up to $15,000) $25 0.50%** 0.50%**
    Performance Checking ($15,000.01 and above)$250.05%**0.05%**

    EFFECTIVE RATE DATE: May 9, 2019

    *APY = Annual Percentage Yield
    **LAPFCU may change the dividend rate at any time. Each cycle the minimum requirements are met, 0.50% APY will be paid on balances between one penny and $15,000, as well as 0.05% APY paid on all amounts above $15,000 respectively. No minimum balance required, however you must deposit a minimum of $25 to open the account. If you do not meet the requirements per qualification cycle, your account will not earn dividends nor will ATM fees be reimbursed. Qualification cycles will vary from your statement period. One Performance Checking Account per member.

    Money Market Rates

    Balance*Dividend RateAPY*
    < $2,500 0.05% 0.05%
    $2,500-$9,999 0.06% 0.06%
    $10,000-$24,999 0.10% 0.10%
    $25,000-$49,999 0.15% 0.15%
    $50,000-$99,999 0.20% 0.20%
    $100,000+ 0.25% 0.25%

    EFFECTIVE RATE DATE: May 9, 2019

    *APY = Annual Percentage Yield. No minimum balance required, however you must deposit a minimum of $2,500 to open the account. Money Market accounts provide the opportunity to earn higher dividends when the daily ending balance is $2,500 or more. Dividends on Money Market Accounts are calculated daily. For each day the daily ending balance is $2,500 or more, the prospective Dividend Rate set forth above will be used to calculate dividends on the ending balance for that day. On any day the daily ending balance drops below $2,500, the Regular Share Dividend Rate will be used to calculate dividends on the ending balance for that day. LAPFCU may change the dividend rate at any time.

    Term Share Certificates- Regular

    TermMember Benefits Dividend Rate** Member Benefits APY**
    3 months (90 – 179 days) 0.50% 0.50%
    6 months (180 – 364 days) 0.95% 0.95%
    1 year (365 – 729 days) 1.99% 2.01%
    2 years (730 – 1094 days) 2.12% 2.14%
    3 years (1095 – 1459 days) 2.17% 2.19%
    4 years (1460 – 1824 days) 2.22% 2.24%
    5 years (1825 – 2189 days) 2.37%2.40%

    EFFECTIVE RATE DATE: May 9, 2019

    REGULAR SHARE CERTIFICATES – Minimum $500 – $49,999 Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details.

    *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.

    Term Share Certificates- Regular Jumbo

    Term Member Benefits Dividend Rate** Member Benefits APY**
    3 months (90 – 179 days) 0.55% 0.55%
    6 months (180 – 364 days) 1.14% 1.15%
    1 year (365 – 729 days) 2.04% 2.06%
    2 years (730 – 1094 days) 2.17% 2.19%
    3 years (1095 – 1459 days) 2.28% 2.30%
    4 years (1460 – 1824 days) 2.33% 2.36%
    5 years (1825 – 2189 days) 2.47% 2.50%

    EFFECTIVE RATE DATE: May 9, 2019

    REGULAR JUMBO CERTIFICATES – Minimum $50,000 – $99,999 Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details.

    *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.


    Term Share Certificates- Super Jumbo

    TermMember Benefits Dividend Rate** Member Benefits APY**
    3 months (90 – 179 days) 0.60% 0.60%
    6 months (180 – 364 days) 1.19% 1.20%
    1 year (365 – 729 days) 2.09% 2.11%
    2 years (730 – 1094 days) 2.22% 2.24%
    3 years (1095 – 1459 days) 2.32% 2.34%
    4 years (1460 – 1824 days) 2.37% 2.40%
    5 years (1825 – 2189 days) 2.62% 2.65%

    EFFECTIVE RATE DATE: May 9, 2019

    SUPER JUMBO SHARE CERTIFICATES – Minimum $100,000 and above Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details.

    Share Certificate – $500.00
    Share Jumbo Certificate – $50,000.00
    Share Super Jumbo Certificate – $100,000.00

    The Dividend Rate and APY for each Term Share Certificate Account (Regular, Jumbo and Super Jumbo) 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.
    **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

    Youth Share Certificates Dividend Rate APY*
    6 months (180 – 364 days) 0.35% 0.35%
    1 year (365 – 729 days) 0.45% 0.45%

    EFFECTIVE RATE DATE: May 9, 2019

    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- Regular IRA Certificates

    Term Member Benefits Dividend Rate**Member Benefits APY**
    6 months (180 – 364 days) 0.95% 0.95%
    1 year (365 – 729 days) 1.99% 2.01%
    2 years (730 – 1094 days) 2.12% 2.14%
    3 years (1095 – 1459 days) 2.17% 2.19%
    4 years (1460 – 1824 days) 2.22% 2.24%
    5 years (1825 – 2189 days) 2.37% 2.40%

    EFFECTIVE RATE DATE: May 9, 2019

    REGULAR IRA CERTIFICATES – Minimum $500 – $49,999 Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details.

    *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.

    IRA Term Certificates- Jumbo IRA Certificates

    Term Member Benefits Dividend Rate**Member Benefits APY**
    6 months (180 – 364 days) 1.14% 1.15%
    1 year (365 – 729 days) 2.04% 2.06%
    2 years (730 – 1094 days) 2.17% 2.19%
    3 years (1095 – 1459 days) 2.28% 2.30%
    4 years (1460 – 1824 days) 2.33% 2.36%
    5 years (1825 – 2189 days) 2.47% 2.50%

    EFFECTIVE RATE DATE: May 9, 2019

    JUMBO IRA CERTIFICATES – Minimum $50,000 – $99,999 Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details.

    *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.

    IRA Term Certificates- Super Jumbo IRA Certificates

    TermMember Benefits Dividend Rate**Member Benefits APY**
    6 months (180 – 364 days) 1.19% 1.20%
    1 year (365 – 729 days) 2.09% 2.11%
    2 years (730 – 1094 days) 2.22% 2.24%
    3 years (1095 – 1459 days) 2.32% 2.34%
    4 years (1460 – 1824 days) 2.37% 2.40%
    5 years (1825 – 2189 days) 2.62% 2.65%

    EFFECTIVE RATE DATE: May 9, 2019

    SUPER JUMBO IRA CERTIFICATES – Minimum $100,000 and above Member Benefits Dividend Rate. Early withdrawal penalties may apply. Ask for complete details.

    IRA Certificate – $500.00
    Jumbo IRA Certificate – $50,000.00
    Super Jumbo IRA Certificate – $100,000.00

    The Dividend Rate and APY for each IRA Term Share Certificate Account (Regular, Jumbo and Super Jumbo) are set forth above. The Dividend Rate and APY on all IRA Term Share Certificates are subject to change at any time, as determined by the Credit Union’s Board of Directors. If an IRA Term Share Certificate Account were opened, the applicable Divided 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.
    **Member Benefits 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.