Credit union · NCUA insured
LCE FCU CD Rates
Top CarrotLCE FCU’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How LCE FCU’s CD rates compare
Compared with banks and credit unions near Cleveland, OH, where LCE FCU has the most branches. $10,000, best rate first.
This credit union’s best
LCE FCU
4.06%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $406
Share Certificate
Top rate
7 17 Credit Union
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,612
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
LCE FCU CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.85%
- QualifiedQualified4.06%
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 LCE FCU 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.
Share Certificate
Up to 4.06%APY · 6 terms
There is a 90-day penalty for any early withdrawal of a Certificate. Dividends are posted quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 4.06% | $406 |
| 18 months | 3.70% | $560 |
| 24 months | 3.75% | $764 |
| 36 months | 3.80% | $1,184 |
| 60 months | 3.85% | $2,079 |
Special-purpose accounts
IRA Certificate
Up to 4.06%APY · 5 terms
$2,000 minimum for terms of 12 months or longer. Rates are the same as the Share Certificate rates listed above. There is a 90-day penalty for any early withdrawal of a Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.06% | $406 |
| 18 months | 3.70% | $560 |
| 24 months | 3.75% | $764 |
| 36 months | 3.80% | $1,184 |
| 60 months | 3.85% | $2,079 |
Sources (1)
- lcefcu.org/account-rates · captured Sep 17, 2026
Who can join LCE FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Lake, Geauga, and Ashtabula County, Ohio.
Cost to join
- A minimum savings deposit of $10.00 is required to open an account.
Membership information collected October 5, 2026.