Credit union · NCUA insured
Lafayette Federal Credit Union CD Rates
Top CarrotLafayette Federal Credit Union’s best CD rate is 3.76% APY on a 7-month share certificate (CD). Terms run from 7 months to 5 years. Rates checked October 22, 2026.
How Lafayette Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Lafayette Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lafayette Federal Credit Union
3.76%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $218
Fixed-Rate Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Lafayette Federal Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo3.76%
- 16–30 months16–30 mo3.71%
- 31–60 months31–60 mo3.66%
- QualifiedQualified3.76%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Lafayette Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Fixed-Rate Certificates
Up to 3.76%APY · 6 terms
Must establish membership with Lafayette Federal Credit Union, or be an existing member. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Early withdrawal penalties may apply. Account dividends compounded and credited monthly. 7-month term is not available as an IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months7-month term Fixed-Rate Certificates are not available as an IRA | 3.76% | $218 |
| 12 months | 3.76% | $376 |
| 24 months | 3.71% | $756 |
| 36 months | 3.66% | $1,139 |
| 48 months | 3.61% | $1,524 |
| 60 months | 3.56% | $1,911 |
Sources (1)
- lfcu.org/1-year-fixed-rate-jumbo-certificate · captured Oct 4, 2026
Fixed-Rate Jumbo Certificate Accounts
Up to 3.71%APY · 5 terms
Valid on new or existing money. Fixed-Rate Jumbo Certificates are not available as an IRA. Early withdrawal penalties may apply. Certificates will automatically renew upon maturity for the same term at the standard certificate dividend rate unless otherwise stipulated by the member. Account dividends compounded and credited monthly. No maximum certificate amount. Must establish membership with Lafayette Federal Credit Union, or be an existing member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.56% | — |
| 24 months | 3.71% | — |
| 36 months | 3.71% | — |
| 48 months | 3.66% | — |
| 60 months | 3.61% | — |
Sources (1)
- lfcu.org/1-year-fixed-rate-jumbo-certificate · captured Oct 4, 2026
Variable-Rate Certificate Accounts
Up to 3.66%APY · 3 terms
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Dividends compounded and credited monthly. Must establish membership with Lafayette Federal Credit Union, or be an existing member. Can make additional deposits at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.66% | $554 |
| 36 months | 3.56% | $1,106 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- lfcu.org/certificate-landing-2 · captured Oct 4, 2026
Special-purpose accounts
IRA Fixed-Rate Certificate
Up to 3.76%APY · 5 terms
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Dividends compounded and credited monthly. Must establish membership with Lafayette Federal Credit Union, or be an existing member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.76% | $376 |
| 24 months | 3.71% | $756 |
| 36 months | 3.66% | $1,139 |
| 48 months | 3.61% | $1,524 |
| 60 months | 3.56% | $1,911 |
Sources (1)
- lfcu.org/certificate-landing-2 · captured Oct 4, 2026
IRA Variable-Rate Certificate
Up to 3.66%APY · 3 terms
Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Dividends compounded and credited monthly. Must establish membership with Lafayette Federal Credit Union, or be an existing member.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 3.66% | $554 |
| 36 months | 3.56% | $1,106 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- lfcu.org/certificate-landing-2 · captured Oct 4, 2026
Who can join Lafayette Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in the specified area of Montgomery County, Maryland known as Potomac (bounded by defined roads and excluding the U.S. Navy Ship Research and Development Center military reservation) are eligible to join.
Employers and groups
- Direct-hire individuals employed by or retired from Lafayette Federal Credit Union's Select Employee Groups are eligible for membership.
- Residents of Maryland, Washington, D.C., or Virginia are eligible to join by becoming a member of the American Consumer Council (ACC), with membership handled at no cost by the credit union.
- Individuals living anywhere in the United States can join by becoming a member of the Home Ownership Financial Literacy Council (HOFLC) for a one-time $10 fee.
Family and household
- Immediate family members of current members (grandparents, parents, spouses, children including foster and adopted, grandchildren, and siblings) and un-remarried spouses of persons who died while employed by eligible organizations are eligible to join.
Cost to join
- A one-time $10 fee is required for automatic enrollment in the Home Ownership Financial Literacy Council (HOFLC).
- A $50 minimum balance is required to open and maintain a Lafayette Federal share savings account.
Membership information collected October 4, 2026.