Credit union · NCUA insured
LAFCU CD Rates
Top CarrotLAFCU’s best CD rate is 3.35% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How LAFCU’s CD rates compare
Compared with banks and credit unions near Lansing, MI, where LAFCU has the most branches. $10,000, best rate first.
This credit union’s best
LAFCU
3.35%APY
- Term
- 12 months
- Minimum
- $10,000
- Earns on $10,000
- $335
Jumbo Term Share Certificates
Top rate
DFCU Financial
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Adventure Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,373
LAFCU CD score
70
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.35%
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 LAFCU 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.
Jumbo Term Share Certificates
Up to 3.35%APY · 5 terms
Requires a minimum balance of $10,000 to open. Early withdrawal penalties apply (equal to 120-240 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.35% | $335 |
| 24 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.10% | $630 |
| 36 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.05% | $943 |
| 48 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.05% | $1,277 |
| 60 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.05% | $1,621 |
Sources (2)
All captured Sep 18, 2026
Regular Term Share Certificates
Up to 3.25%APY · 7 terms
Open for as little as $50. Additional add-on deposits allowed. Dividends compounded and credited monthly. Penalties for early withdrawal will apply (equal to 90-180 days' dividends on the amount withdrawn). Renewals are automatic with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 3.10% | $77 |
| 6 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 3.20% | $159 |
| 12 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 3.25% | $325 |
| 24 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed. Rate listed as 2.95% on rate schedule table and 2.96% on Truth-in-Savings schedule | 3.00% | $609 |
| 36 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 2.95% | $911 |
| 48 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 2.95% | $1,233 |
| 60 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 2.95% | $1,565 |
Sources (2)
All captured Sep 18, 2026
MOO-ve Rate Jumbo Certificate
Up to 3.10%APY · 4 terms
Allows a one-time rate change/bump from the current rate to a currently offered rate for the same term-Jumbo product during the first 12 months after initial purchase. Required to be requested in person, written, or via Online banking. Minimum opening deposit and minimum balance to earn APY is $10,000. Early withdrawal penalties apply (120-240 days' dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsPermits one rate change to currently offered rate for same term Jumbo product once during first 12 months. Minimum opening deposit and balance to earn APY is $10,000 | 3.10% | $630 |
| 36 monthsPermits one rate change to currently offered rate for same term Jumbo product once during first 12 months. Minimum opening deposit and balance to earn APY is $10,000 | 3.05% | $943 |
| 48 monthsPermits one rate change to currently offered rate for same term Jumbo product once during first 12 months. Minimum opening deposit and balance to earn APY is $10,000 | 3.05% | $1,277 |
| 60 monthsPermits one rate change to currently offered rate for same term Jumbo product once during first 12 months. Minimum opening deposit and balance to earn APY is $10,000 | 3.05% | $1,621 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Jumbo Certificates
Up to 3.35%APY · 5 terms
Subject to requirements, transaction limitations, and penalties under the Internal Revenue Code or federal/state law. Minimum balance of $10,000 to open. Early withdrawal penalties apply (120-240 days' dividends). Renewals are automatic with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.35% | $335 |
| 24 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.10% | $630 |
| 36 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.05% | $943 |
| 48 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.05% | $1,277 |
| 60 monthsMinimum opening deposit and minimum balance to earn APY is $10,000 | 3.05% | $1,621 |
Sources (2)
All captured Sep 18, 2026
IRA Certificates
Up to 3.25%APY · 7 terms
Subject to requirements, transaction limitations, and potential penalties for early withdrawal under the Internal Revenue Code or federal/state law. Minimum balance of $50 to open. Additional add-on deposits allowed. Early withdrawal penalties apply (90-180 days' dividends). Renewals are automatic with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 3.10% | $77 |
| 6 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 3.20% | $159 |
| 12 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 3.25% | $325 |
| 24 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed. Rate listed as 2.95% on rate schedule table and 2.96% on Truth-in-Savings schedule | 3.00% | $609 |
| 36 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 2.95% | $911 |
| 48 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 2.95% | $1,233 |
| 60 monthsMinimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 2.95% | $1,565 |
Sources (2)
All captured Sep 18, 2026
Youth Certificates
3.25%APY · 1 term
Youth only certificate. Open for just $50. Additional add-on deposits allowed. Early withdrawal penalties apply (90-180 days' dividends). Renewals are automatic with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsYouth Only. Minimum opening deposit and minimum balance to earn APY is $50. Additional deposits allowed | 3.25% | $325 |
Sources (2)
All captured Sep 18, 2026
Who can join LAFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals and businesses are eligible to join if they live, work, worship, attend school in, or own a business located anywhere in the state of Michigan.
Membership information collected October 5, 2026.