Credit union · NCUA insured
Latino Community Credit Union Savings Rates
Latino Community Credit Union’s best savings rate is 1.60% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Latino Community Credit Union’s savings rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Latino Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Latino Community Credit Union
1.60%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $160
Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Latino Community Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.60%
- $10,000 balance$10,0001.60%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.60%
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 Latino Community Credit Union 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
1.60%APY
Must be a Latino Credit Union member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMonthly fee of $5 is waived if the $500 minimum balance is maintained. Minimum deposit/balance of $500 must be maintained to earn interest. Must be an LCCU member.$500 and up | 1.60% | $160 | Monthly fee of $5 is waived if the $500 minimum balance is maintained. Minimum deposit/balance of $500 must be maintained to earn interest. Must be an LCCU member. |
Sources (3)
- latinoccu.org/products-and-ser…compare-savings-accounts
- latinoccu.org/products-and-services/savings/money-market
- latinoccu.org/rates
All captured Oct 4, 2026
Regular Savings
0.15%APY
Must be a Latino Community Credit Union member. $10 minimum initial deposit. $10 minimum balance required to avoid fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$2 monthly service fee if minimum balance of $10 is not maintained. Minimum deposit must be maintained to earn interest.$10 and up | 0.15% | $15 | $2 monthly service fee if minimum balance of $10 is not maintained. Minimum deposit must be maintained to earn interest. |
Special-purpose accounts
Retirement Accounts
3.85%APY
Must be a Latino Credit Union member. Includes Traditional IRA, Roth IRA, and Simplified Employee Pension (SEP) IRA. Dividends compounded daily, paid monthly. Funds may not be borrowed or used as loan security.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upApplies to Roth, Traditional & Simplified Employee Pension (SEP) IRAs. $2 monthly fee if balance falls below $10.$10 and up | 3.85% | $385 | Applies to Roth, Traditional & Simplified Employee Pension (SEP) IRAs. $2 monthly fee if balance falls below $10. |
Children Savings
0.15%APY
For children up to age 12. Must be a joint account with a parent, grandparent or other responsible adult (all account holders must be members) visiting a local branch. At age 13, automatically transfers to teen share. No checks or ACH debits allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$2 monthly fee if minimum balance of $10 is not maintained. Minimum deposit must be maintained to earn interest.$10 and up | 0.15% | $15 | $2 monthly fee if minimum balance of $10 is not maintained. Minimum deposit must be maintained to earn interest. |
Sources (3)
- latinoccu.org/products-and-services/savings
- latinoccu.org/products-and-services/savings/for-children
- latinoccu.org/rates
All captured Oct 4, 2026
Holiday Savings
0.15%APY
Must be a Latino Credit Union member. Withdrawals are not permitted; all funds automatically transfer to a member-chosen account on the last business day of October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$2 monthly fee if minimum balance of $10 is not maintained ($0 min balance noted on product page). Minimum deposit must be maintained to earn interest.$10 and up | 0.15% | $15 | $2 monthly fee if minimum balance of $10 is not maintained ($0 min balance noted on product page). Minimum deposit must be maintained to earn interest. |
Youth Savings
0.15%APY
For ages 13 to 18. Must be a Latino Credit Union member. At age 18, automatically transfers to a Regular Share account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$2 monthly fee if minimum balance of $10 is not maintained. Minimum deposit must be maintained to earn interest.$10 and up | 0.15% | $15 | $2 monthly fee if minimum balance of $10 is not maintained. Minimum deposit must be maintained to earn interest. |
Who can join Latino Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals can qualify for membership by joining the Latino Community Development Center (LCDC) with a one-time $8 individual membership fee, residing in the US, having a valid SSN or ITIN, and possessing a valid government-issued ID.
Cost to join
- A one-time individual membership fee of $8 is required to join the Latino Community Development Center (LCDC).
Membership information collected October 4, 2026.