Deposits and Loan Rates Rates for your financial plan

We seek to offer the best rate for all your saving and borrowing needs. Before you open an account or accept financing with another institution, call us at (402) 465-1000 to ensure that you receive the best possible account option. We'll help you compare all terms and determine the best possible account for you.

These tables list our best published rate. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice.

EFFECTIVE: August 15, 2019

Savings Accounts1 Minimum To Open Minimum Balance to Earn APY 2 Dividend Rate APY 2
Saving $5 $5-$24,999 0.05% 0.05%
$25,000-$49,999 0.05% 0.05%
$50,000+ 0.10% 0.10%
Kasasa Saver® 3 $5 $0.01-$100,000
if qualifications are met
0.75% 0.75%
$100,001+
if qualifications are met
0.15% 0.15%
All balances if qualifications are
not met
0.05% 0.05%
Wealth Builder Savings $5 $5 and over 0.15% 0.25%
IRA Savings $50.00 $5-$24,999 0.15% 0.15%
$25,000-$49,999 0.25% 0.25%
$50,000+ 0.50% 0.50%
Systematic IRA 4 $50.00 $0.01 and over 1.14% 1.15%
Health Savings Account $50.00 $5-$2,499 0.15% 0.15%
$2,500-$24,999 0.25% 0.25%
$25,000+ 0.50% 0.50%

1 Dividend Rate and Annual Percentage Yield (APY) may change after account is opened. Fees may reduce earnings.
2 APY = Annual Percentage Yield. Rates offered are determined at the discretion of the Credit Union and may change daily.
3 This account pays dividends based on an Average Daily Balance method. Refer to the Truth in Savings Disclosure for details. Qualifications apply. Review the Kasasa Saver® account for more details.
4 This account requires an automatic/systematic minimum monthly deposit. Penalty may be imposed for early withdrawal.

Checking Accounts1 Minimum To Open Minimum Balance to Earn APY2 Dividend Rate APY2
Kasasa Cash®3 $50.00 $0.01-$40,000
if qualifications are met
3.93% 4.00%
$40,001+
if qualifications are met
0.15% 0.15%
All balances if qualifications are not met 0.05% 0.05%
50 Plus Lifestyle Checking3 $50.00 $500+ 0.05% 0.05%
Business Plus Checking3 $50.00 $500-$4,999 0.05% 0.05%
$5,000-$24,999 0.10% 0.10%
$25,000+ 0.15% 0.15%
Money Market Investment3 $50.00 $2,500+ 0.05% 0.05%

1 Dividend Rate and Annual Percentage Yield (APY) may change after account is opened. Fees may reduce earnings.
2 APY = Annual Percentage Yield. Rates offered are determined at the discretion of the Credit Union and may change daily.
3 This account pays dividends based on an Average Daily Balance method. Refer to the Truth in Savings Disclosure for details. Qualifications apply. Review the Kasasa Cash® account for more details.

Current Dividend Rates and Annual Percentage Yields are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts. Share, checking, and money market account dividends are credited and compound monthly. Share certificate account dividends are credited monthly or at maturity and compound monthly.

Certificates of Deposits  & IRAs1  Minimum To Open Minimum Balance to Earn APY2 Dividend Rate APY2
Thirteen (13) Month Special3 $500.00 $500 and over 2.18% 2.20%
Thirty-seven (37) Month Special3 $500.00 $25,000 and over 2.42% 2.45%
Fifty-nine (59) Month Special3 $500.00 $500 and over 2.52% 2.55%
Three (3) Month
(No IRAs)
$500.00 $500-$24,999 0.05% 0.05%
$25,000-$74,999 0.10% 0.10%
$75,000+ 0.15% 0.15%
Six (6) Month $500.00 $500-$24,999 0.15% 0.15%
$25,000-$74,999 0.15% 0.15%
$75,000+ 0.20% 0.20%
Twelve (12) Month
Add-on4
$500.00 $500-$24,999 0.25% 0.25%
$25,000-$74,999 0.25% 0.25%
$75,000+ 0.30% 0.30%
Youth/Young Adult
Twelve (12) Month
Add-on5
$100.00 $100-$24,999 0.25% 0.25%
$25,000-$74,999 0.25% 0.25%
$75,000+ 0.30% 0.30%
Eighteen (18) Month $500.00 $500-$24,999 0.35% 0.35%
$25,000-$74,999 0.40% 0.40%
$75,000+ 0.40% 0.40%
Twenty-four (24) Month $500.00 $500-$24,999 0.50% 0.50%
$25,000-$74,999 0.55% 0.55%
$75,000+ 0.60% 0.60%
Thirty-six (36) Month $500.00 $500-$24,999 0.65% 0.65%
$25,000-$74,999 0.75% 0.75%
$75,000+ 0.75% 0.75%
Forty-eight Month $500.00 $500-$24,999 0.80% 0.80%
$25,000-$74,999 0.90% 0.80%
$75,000+ 0.90% 0.90%
Sixty (60) Month $500.00 $500-$24,999 1.04% 1.05%
$25,000-$74,999 1.04% 1.05%
$75,000+ 1.09% 1.10%

1 Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
2 APY = Annual Percentage Yield. Rates offered are determined at the discretion of the Credit Union and may change daily.
3 ”New Money" Specials are available for new deposits only. Existing funds currently on deposit may not be transferred. Renews at regular dividend rate.
4 The "Add-On" feature of this certificate allows you to "add-on" additional funds during the 12-month term. Deposits earn dividends at the dividend rate declared on the opening or renewal date of the certificate. All deposits made during the 12-month term will mature on the stated maturity date.
5 For Members under 25 years of age. On the first maturity date after reaching 25 years of age, this certificate renews at the regular 12-month Share Certificate rate.

Term APR 1 Estimated Payment 2
Model Year 2016 and Newer (Secured)
12 Months 3.75% $85.04
24 Months 3.75 % $43.31
36 Months 3.95% $29.50
48 Months 3.95% $22.56
60 Months ($10,000+) 3.95% $18.39
72 Months ($15,000+) 4.45% $15.85
Model Year 2012 thru 2015 (Secured)
12 Months 4.25% $85.26
24 Months 4.250% $43.54
36 Months 4.50% $29.75
48 Months 4.50% $22.80
60 Months ($10,000+) 4.50% $18.64
72 Months ($15,000+) 5.25% $16.22
Model Year 2011 and Older (Secured)
12 Months 5.75% $85.95
24 Months 5.75% $44.21
36 Months 6.00% $30.42
48 Months 6.00% $23.49
60 Months ($10,000+) 6.00% $19.33
Share Secured Loans
Call for quote

1 Annual Percentage Rate (APR) All rates listed are our best rates based on applicant's credit rating and credit history (your actual rate may be higher), using the simple interest method, and including a 1/2% discount for automatic payments from LFCU checking. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. 
2 Your estimated monthly payment amount is calculated by multiplying the "EST PAYMENT" amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category.

Term APR 1 Estimated Payment 2
48 Months 10.99 % $25.84
49-60 Months 11.49% $21.99

1 Annual Percentage Rate (APR) All rates listed are our best rates based on applicant's credit rating and credit history (your actual rate may be higher), using the simple interest method, and including a 1/2% discount for automatic payments from LFCU checking
2 Your estimated monthly payment amount is calculated by multiplying the "EST PAYMENT" amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category

MasterCard® Credit Card
Rates Rates as low as 9.99 % APR 1
Annual Fee $0.00
Grace Period for Purchases 25 Days
Method of Computing Balances Average Daily Balance
Late Payment Fee $25.00
Over the Limit Fee $25.00
Cash Advance Fee none

1 The MasterCard® APR (Annual Percentage Rate) for purchases listed above is effective on 04-25-16. A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the billing cycle during which such transactions are posted to your account within 25 days from the closing date of that statement. Rates and terms are subject to change.

Program Term APR 1 Estimated Payment 2
Fixed, 80% Loan to Value 1-5 Years 4.25 % $18.53
Fixed, 80% Loan to Value 6-10 Years 4.75% $10.48
Fixed, up to 100% Loan to Value Call for Details
Adjustable, up to 100% Loan to Value Call for Details

1 Annual Percentage Rate (APR). All rates listed are our best rates and are simple interest. Your rate may be higher based on your credit bureau score and credit history. Depending on score and history, a 1% Origination Fee may apply. Add 1% to investment properties. Mortgage Rates are determined by many economic factors and tend to change frequently. 
2 To calculate your estimated monthly payment amount per $1,000 borrowed, multiply the "EST PAYMENT" times the amount borrowed divided by 1,000). The estimated payment is for the maximum term in each category.

Annual Percentage Rate (APR). All mortgage rates and terms shown in the calculator below are subject to final underwriting approval. Rates are deemed reliable but not guaranteed and determined by many economic factors and can be changed frequently. Qualification for loan products or rates are subject to approval and may change.