Credit union · NCUA insured
LM Federal Credit Union Savings Rates
LM Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its Money Market Shares. Rates checked October 22, 2026.
How LM Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where LM Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
LM Federal Credit Union
0.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $85
Money Market Shares
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
LM Federal Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.45%
- QualifiedQualified0.85%
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 LM Federal 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 Plus
0.00%APY
Requires a minimum balance of $25,000.00 to open and avoid a monthly service fee. Dividends paid monthly on daily balances of $100.00 or greater. Limited to 6 preauthorized, automatic, or telephone transfers per month. Up to 3 checks per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 0.00% | $25,000 | $0 | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $100 and upUnknown to open | 0.00% | Unknown | $0 | |
| $25,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.25% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $25,000 and upUnknown to open | 1.25% | Unknown | — | |
| $50,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.35% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $50,000 and upUnknown to open | 1.35% | Unknown | — | |
| $100,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.45% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $100,000 and upUnknown to open | 1.45% | Unknown | — | |
| $200,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.50% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $200,000 and upUnknown to open | 1.50% | Unknown | — |
Sources (3)
- lmfcu.org/Bank/Savings
- lmfcu.org/Documents/Disclosure…sit-Rates-01-01-2026.pdf
- lmfcu.org/Rates/Deposit-Rates
All captured Oct 4, 2026
Money Market Shares
Up to 0.85%APY
Requires a minimum balance of $2,500.00 to open and avoid a monthly service fee. Dividends are paid monthly on daily balances of $100.00 or greater. Limited to 6 preauthorized, automatic, or telephone transfers per month. Up to 3 checks per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.00% | $2,500 | $0 | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $100 and upUnknown to open | 0.00% | Unknown | $0 | |
| $2,500 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.85% | $2,500 | $85 | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $2,500 and upUnknown to open | 0.85% | Unknown | $85 | |
| $10,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.85% | $2,500 | $85 | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $10,000 and upUnknown to open | 0.85% | Unknown | $85 | |
| $25,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.85% | $2,500 | — | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $25,000 and upUnknown to open | 0.85% | Unknown | — | |
| $50,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.95% | $2,500 | — | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $50,000 and upUnknown to open | 0.95% | Unknown | — | |
| $100,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.95% | $2,500 | — | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $100,000 and upUnknown to open | 0.95% | Unknown | — |
Sources (3)
- lmfcu.org/Bank/Savings
- lmfcu.org/Documents/Disclosure…sit-Rates-01-01-2026.pdf
- lmfcu.org/Rates/Deposit-Rates
All captured Oct 4, 2026
Share (Savings) Account (Primary & Secondary)
0.25%APY
Dividends are paid quarterly on daily balances of $100 or greater. Maintain a $300 balance to avoid excess withdrawal fees. Up to 6 preauthorized, automatic, or telephone transfers permitted per month. Secondary share accounts are available to segregate funds.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upDividends compounded and credited quarterly based on daily balance. Minimum balance to avoid monthly service fee is $25.00.$100 and up · $25 to open | 0.25% | $25 | $25 | Dividends compounded and credited quarterly based on daily balance. Minimum balance to avoid monthly service fee is $25.00. |
| $100 and upUnknown to open | 0.25% | Unknown | $25 |
Sources (3)
- lmfcu.org/Bank/Savings
- lmfcu.org/Documents/Disclosure…sit-Rates-01-01-2026.pdf
- lmfcu.org/Rates/Deposit-Rates
All captured Oct 4, 2026
Special-purpose accounts
IRA, Roth or ESA Money Market Plus Shares
0.00%APY
IRA accounts include Traditional IRA, Roth IRA, and Coverdell Education Savings Accounts (ESA). IRA Money Market accounts are not given check writing access due to the tax deferred nature of the account. Requires a minimum balance of $25,000.00 to open and avoid a monthly service fee. Dividends paid monthly on daily balances of $100.00 or greater. Limited to 6 preauthorized, automatic, or telephone transfers per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 0.00% | $25,000 | $0 | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $100 and upUnknown to open | 0.00% | Unknown | $0 | |
| $25,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.25% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $25,000 and upUnknown to open | 1.25% | Unknown | — | |
| $50,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.35% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $50,000 and upUnknown to open | 1.35% | Unknown | — | |
| $100,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.45% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $100,000 and upUnknown to open | 1.45% | Unknown | — | |
| $200,000 and upMinimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. · $25,000 to open | 1.50% | $25,000 | — | Minimum balance to avoid a monthly service fee of $15.00 is $25,000.00. Daily balance method, compounded and credited monthly. |
| $200,000 and upUnknown to open | 1.50% | Unknown | — |
Sources (2)
All captured Oct 4, 2026
IRA Money Market Shares
Up to 0.85%APY
IRA Money Market Shares are not given check writing access due to the tax deferred nature of the account. Requires a minimum balance of $2,500.00 to open and avoid a monthly service fee. Dividends paid monthly on daily balances of $100.00 or greater. Limited to 6 preauthorized, automatic, or telephone transfers per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.00% | $2,500 | $0 | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $100 and upUnknown to open | 0.00% | Unknown | $0 | |
| $2,500 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.85% | $2,500 | $85 | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $2,500 and upUnknown to open | 0.85% | Unknown | $85 | |
| $10,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.85% | $2,500 | $85 | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $10,000 and upUnknown to open | 0.85% | Unknown | $85 | |
| $25,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.85% | $2,500 | — | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $25,000 and upUnknown to open | 0.85% | Unknown | — | |
| $50,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.95% | $2,500 | — | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $50,000 and upUnknown to open | 0.95% | Unknown | — | |
| $100,000 and upMinimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. · $2,500 to open | 0.95% | $2,500 | — | Minimum balance to avoid a monthly service fee of $10.00 is $2,500.00. Daily balance method, compounded and credited monthly. |
| $100,000 and upUnknown to open | 0.95% | Unknown | — |
Sources (2)
All captured Oct 4, 2026
IRA, Roth or ESA Shares (Savings)
0.35%APY
Includes Traditional IRA, Roth IRA, and Coverdell Educational Savings Account (ESA) share accounts. Earnings grow tax-deferred or tax-free depending on account type. Covered separately by NCUA insurance up to $250,000.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upDividends compounded and credited quarterly based on daily balance. Minimum balance to avoid monthly service fee is $25.00.$100 and up · $25 to open | 0.35% | $25 | $35 | Dividends compounded and credited quarterly based on daily balance. Minimum balance to avoid monthly service fee is $25.00. |
| $100 and upUnknown to open | 0.35% | Unknown | $35 |
Holiday & Summer Club Accounts
0.25%APY
Special share account intended for holiday or vacation expenses. Holiday Club withdrawal period is October 1st through December 31st; Summer Club withdrawal period is May 1st through August 31st. Withdrawals outside the withdrawal period are subject to penalty and loss of accrued dividends if closed.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upDividends compounded and credited quarterly based on daily balance. Minimum balance to avoid monthly service fee is $5.00.$100 and up · $5 to open | 0.25% | $5 | $25 | Dividends compounded and credited quarterly based on daily balance. Minimum balance to avoid monthly service fee is $5.00. |
| $100 and upUnknown to open | 0.25% | Unknown | $25 |
Sources (3)
- lmfcu.org/Bank/Savings
- lmfcu.org/Documents/Disclosure…sit-Rates-01-01-2026.pdf
- lmfcu.org/Rates/Deposit-Rates
All captured Oct 4, 2026
Who can join LM Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.