Credit union · NCUA insured
Los Angeles Federal Credit Union Savings Rates
Los Angeles Federal Credit Union’s best savings rate is 0.70% APY on $10,000, with its Regular Money Market. Rates checked October 16, 2026.
How Los Angeles Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where Los Angeles Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Los Angeles Federal Credit Union
0.70%APY
- Requires
- Monthly account activity
- Minimum
- $2,500
- Earns on $10,000 a year
- $70
Online Money Market
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
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Los Angeles Federal Credit Union savings score
84
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0000.85%
- QualifiedQualified3.90%
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 Los Angeles 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.
High Yield Savings Account
3.90%APY on $10,000
Variable rate. To earn the higher rate, accountholder must have an active Free Checking or Connect account (at least 5 debit card transactions and direct deposits totaling $250+ per calendar month). If qualifications are not met, the entire balance receives the regular share savings rate. Only one HYSA per member/SSN. Tiered earned interest combined and appears as a single split rate on monthly statements.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 3.83% |
| Over $10,000 | 0.05% |
On $10,000 the tiers blend to about 3.90% APY, earning $390 a year.
Online Money Market
0.70%APY
Requires $2,500 minimum opening deposit. Fee applies if daily balance falls below $2,500. To qualify: (a) open and maintain a LAFCU Checking account (or Free Checking / Second Chance Checking) with any combination of 5 debit transactions per calendar month (ATM, ACH, debit card POS/debit, Bill Pay, or share draft checks); (b) receive monthly LAFCU Online Statements; (c) maintain a minimum balance of $2,500. If requirements are not maintained, account changes back to Regular Money Market Account for the quarterly dividend period.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.65% | — |
| $10,000 – $24,999 | 0.70% | $70 |
| $25,000 – $49,999 | 0.75% | — |
| $50,000 – $99,999 | 0.80% | — |
| $100,000 – $249,999 | 0.85% | — |
| $250,000 and up | 0.90% | — |
Regular Money Market
0.70%APY
Requires a $2,500 minimum opening deposit. A fee applies if the daily balance falls below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.65% | — |
| $10,000 – $24,999 | 0.70% | $70 |
| $25,000 – $49,999 | 0.75% | — |
| $50,000 – $99,999 | 0.80% | — |
| $100,000 – $249,999 | 0.85% | — |
| $250,000 and up | 0.90% | — |
Regular Share Savings
0.05%APY
Open with $10 minimum opening deposit ($5 one-time LAFCU membership fee, and $5 minimum savings account deposit). A $50 balance must be maintained after six months from joining or a monthly fee applies. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIncludes Secondary Savings. $10 minimum opening deposit ($5 membership fee plus $5 minimum savings deposit). $50 balance required after 6 months to avoid monthly fee.Any balance | 0.05% | $5 | Includes Secondary Savings. $10 minimum opening deposit ($5 membership fee plus $5 minimum savings deposit). $50 balance required after 6 months to avoid monthly fee. |
Special-purpose accounts
Health Savings Account
0.75%APY
Must be under age 65, covered by a high deductible health plan, not covered by another health insurance carrier or Medicare, and not claimed as a dependent. One HSA per member. No minimum balance. Available only for withdrawals with a debit card & online banking inquiries.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier: Under $2,500. | 0.30% | — | Tier: Under $2,500. |
| $2,500 – $9,999Tier: $2,500 to $9,999. | 0.70% | — | Tier: $2,500 to $9,999. |
| $10,000 – $24,999Tier: $10,000 to $24,999. | 0.75% | $75 | Tier: $10,000 to $24,999. |
| $25,000 – $49,999Tier: $25,000 to $49,999. | 0.80% | — | Tier: $25,000 to $49,999. |
| $50,000 – $99,999Tier: $50,000 to $99,999. | 0.85% | — | Tier: $50,000 to $99,999. |
| $100,000 – $249,999Tier: $100,000 to $249,999. | 0.90% | — | Tier: $100,000 to $249,999. |
| $250,000 and upTier: $250,000+. | 1.00% | — | Tier: $250,000+. |
Holiday Account
0.05%APY
$50 minimum balance required. Funds available in November for end-of-year expenses. No monthly service charges. Penalty fee applies if funds withdrawn early; fee waived for withdrawals made November 1 to December 25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upBalance of $10 or more to earn dividends. $50 minimum balance required for the account.$10 and up | 0.05% | $5 | Balance of $10 or more to earn dividends. $50 minimum balance required for the account. |
Who can join Los Angeles Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible by making an $8.00 donation to join the LOS ANGELES CHARITIABLE ASSOCIATION, INC., if you live or have a business in Los Angeles, Orange, Riverside, San Bernardino, or Ventura counties.
Military, government and schools
- Eligible if you work for the City of Los Angeles, CA.
Cost to join
- A $5 one-time LAFCU membership fee is required when opening an account.
- Opening deposit requires a $5 minimum savings account deposit in a Regular Share Savings account.
Membership information collected October 5, 2026.