Credit union · NCUA insured
LAFCU Savings Rates
Top CarrotLAFCU’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How LAFCU’s savings 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
0.10%APY
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Market
Top rate
First National Bank of America
4.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
LAFCU savings score
63
Savings score
Higher than 9% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
0.10%APY
Dividend Rate and Annual Percentage Yield are on entire balance when funds are within specified range. Rates are variable. Minimum daily balance of $2,500 required to earn dividend.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $20,000Dividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. | 0.10% | $10 | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. |
| $20,000 – $100,000Dividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. | 0.15% | — | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. |
| $100,000 – $150,000Dividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. | 0.15% | — | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. |
| $150,000 and upDividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. | 0.20% | — | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $2,500. |
Sources (2)
- lafcu.com/personal/bank/saving…nt/money-market-accounts
- lafcu.com/files/lafcu/1/file/Disclosures/LAFCU_Rates.pdf
All captured Sep 18, 2026
Savings Account
0.10%APY
Open by purchasing 1 share equal to $5. Dividends compounded and credited monthly. Rates are variable and apply to the entire balance when funds are within the specified range. Minimum daily balance of $100 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.05% | — |
| $5,000 – $20,000 | 0.10% | $10 |
| $20,000 – $100,000 | 0.10% | — |
| $100,000 and up | 0.10% | — |
Sources (2)
All captured Sep 18, 2026
Bill Payer
0.05%APY
Dividends compounded and credited monthly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Sep 18, 2026
Loan Transfer
0.05%APY
Dividends compounded and credited monthly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Sep 18, 2026
Special Purpose
0.05%APY
Dividends compounded and credited monthly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
HSA/IRA Money Market
0.15%APY
Dividend Rate and Annual Percentage Yield on IRA Money Market accounts are on entire balance when funds are within specified range. Subject to additional rules and potential penalties under federal law.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Dividends compounded daily and credited monthly. Minimum balance to earn APY is $0. | 0.10% | — | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $0. |
| $5,000 – $20,000Dividends compounded daily and credited monthly. Minimum balance to earn APY is $0. | 0.15% | $15 | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $0. |
| $20,000 – $100,000Dividends compounded daily and credited monthly. Minimum balance to earn APY is $0. | 0.15% | — | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $0. |
| $100,000 and upDividends compounded daily and credited monthly. Minimum balance to earn APY is $0. | 0.20% | — | Dividends compounded daily and credited monthly. Minimum balance to earn APY is $0. |
Sources (2)
All captured Sep 18, 2026
HSA Savings
0.10%APY
Must have a High Deductible Health Plan (HDHP) to be eligible for HSA. Subject to additional rules and potential penalties under federal law. Rates are variable and apply to entire balance when within specified range.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.05% | — |
| $5,000 – $20,000 | 0.10% | $10 |
| $20,000 – $100,000 | 0.10% | — |
| $100,000 and up | 0.10% | — |
Sources (2)
All captured Sep 18, 2026
IRA Savings
0.10%APY
Subject to additional rules and potential penalties under federal law. Rates are variable and apply to entire balance when within specified range.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.05% | — |
| $5,000 – $20,000 | 0.10% | $10 |
| $20,000 – $100,000 | 0.10% | — |
| $100,000 and up | 0.10% | — |
Sources (1)
- lafcu.com/files/lafcu/1/file/Disclosures/LAFCU_Rates.pdf · captured Sep 18, 2026
Youth Savings
0.10%APY
Minimum daily balance of $5 to earn dividends. Rates are variable and apply to entire balance when within specified range.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.05% | — |
| $5,000 – $20,000 | 0.10% | $10 |
| $20,000 – $100,000 | 0.10% | — |
| $100,000 and up | 0.10% | — |
Sources (2)
All captured Sep 18, 2026
Holiday Club
0.05%APY
Dividends compounded and credited monthly. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.