What are the current interest rates at Lafayette Federal Credit Union?

Current rates for Lafayette Federal Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 3.66%, 24-Month CD: 3.71%, 60-Month CD: 3.25%, Savings: 0.10%, MMA: 0.00%

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Lafayette Federal Credit Union

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Lafayette Federal Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lafayette Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

Lafayette Federal Credit Union's 1-Year CD rates are at 3.76%, 1-year term Fixed-Rate CD rates are at 3.76%, 7-month term rates are at 3.76%, 7-month term Fixed-Rate CD rates are at 3.76%, IRA Fixed-Rate CD 1-year term rates are at 3.76%. Lafayette Federal Credit Union's savings rates are at 0.10%. Lafayette Federal Credit Union's money market rates are at 0.00%. Lafayette Federal Credit Union's Personal Loan Rates are at 5.00%. MonitorBankRates evaluates the financial stability of Lafayette Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.10%. Rates were last updated on 06/16/2026.

Lafayette Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lafayette Federal Credit Union? Share your experience about Lafayette Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lafayette Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.10%

Excellent Higher than avg

Lafayette Federal Credit Union
Norman Cohen Financial Service Center

2701 Tower Oaks Blvd
Rockville, MD 20852

https://www.lfcu.org

Lafayette Federal Credit Union CD Rates

Product	Rate	APY	Term
1-Year Share Certificate	-	3.76%	1 Year
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
1-year term Fixed-Rate Certificate	3.70%	3.76%	1 year
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
7-month term	3.70%	3.76%	7 months
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
7-month term Fixed-Rate Certificate	3.70%	3.76%	7 months
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 1-year term	3.70%	3.76%	1-year term
Min Deposit $500 Min Balance $500 Details Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of April 29, 2026. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
2-year term	3.65%	3.71%	2 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
2-year term Fixed-Rate Certificate	3.65%	3.71%	2 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Fixed-Rate Jumbo 2-year term	3.65%	3.71%	2-year term
Min Deposit $100,000 Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Fixed-Rate Jumbo 3-year term	3.65%	3.71%	3-year term
Min Deposit $100,000 Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 2-year term	3.65%	3.71%	2-year term
Min Deposit $500 Min Balance $500 Details Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of April 29, 2026. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
3-year term	3.60%	3.66%	3 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
3-year term Fixed-Rate Certificate	3.60%	3.66%	3 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Fixed-Rate Jumbo 4-year term	3.60%	3.66%	4-year term
Min Deposit $100,000 Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 3-year term	3.60%	3.66%	3-year term
Min Deposit $500 Min Balance $500 Details Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of April 29, 2026. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Variable-Rate Certificate 18-month term	3.60%	3.66%	18-month term
Min Deposit $50 Min Balance $50 Details Variable-Rate* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Variable-Rate Certificate 18-month term	3.60%	3.66%	18-month term
Min Deposit $50 Min Balance $50 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
4-year term	3.55%	3.61%	4 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
4-year term Fixed-Rate Certificate	3.55%	3.61%	4 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Fixed-Rate Jumbo 5-year term	3.55%	3.61%	5-year term
Min Deposit $100,000 Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 4-year term	3.55%	3.61%	4-year term
Min Deposit $500 Min Balance $500 Details Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of April 29, 2026. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
5-year term	3.50%	3.56%	5 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
5-year term Fixed-Rate Certificate	3.50%	3.56%	5 years
Min Deposit $500 Min Balance $500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Fixed-Rate Jumbo 1-year term	3.50%	3.56%	1-year term
Min Deposit $100,000 Min Balance $100,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 5-year term	3.50%	3.56%	5-year term
Min Deposit $500 Min Balance $500 Details Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of April 29, 2026. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Variable-Rate Certificate 3-year term	3.50%	3.56%	3-year term
Min Deposit $50 Min Balance $50 Details Variable-Rate* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Variable-Rate Certificate 3-year term	3.50%	3.56%	3-year term
Min Deposit $50 Min Balance $50 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Variable-Rate Certificate 5-year term	3.20%	3.25%	5-year term
Min Deposit $50 Min Balance $50 Details Variable-Rate* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Variable-Rate Certificate 5-year term	3.20%	3.25%	5-year term
Min Deposit $50 Min Balance $50 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Lafayette Federal Credit Union Savings Rates

Product	Rate	APY
Premier Savings Accounts	3.50%	3.56%
Details Tiered rate account. Member must maintain at least $50,000 in the account to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Savings Accounts	-	3.56%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Premier Savings Accounts	3.40%	3.46%
Details Tiered rate account. Member must maintain at least $50,000 in the account to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Premier Savings Accounts	3.30%	3.35%
Details Tiered rate account. Member must maintain at least $50,000 in the account to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
IRA Savings Account	3.20%	3.25%
Min Deposit $50 Details APY=Annual Percentage Yield. Dividend Rates and APYs are variable and are subject to change. Certain fees and charges may apply to your share account as disclosed in the current Schedule of Fees. Assessed fees may reduce earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Preferred Savings Accounts	3.20%	3.25%
Min Deposit $20,000 Min Balance $20,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Premier Savings Accounts	3.20%	3.25%
Min Deposit $50,000 Min Balance $50,000 Details Tiered rate account. Member must maintain at least $50,000 in the account to earn dividends. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Preferred Savings Accounts	3.15%	3.20%
Min Deposit $50 Min Balance $50 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Share Savings Accounts	0.10%	0.10%
Min Balance $50 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Lafayette Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.30%	0.30%
Min Balance $150,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Money Market Accounts	0.15%	0.15%
Min Balance $25,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Money Market Accounts	0.05%	0.05%
Min Balance $2,500 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Money Market Accounts	-	0.00%
Min Deposit $2,500 Min Balance $0 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Lafayette Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Accounts	0.03%	0.03%
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Lafayette Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	7.50%
Details As Low As Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Lafayette Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.00%	36 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Used Auto Loan	-	-	5.00%	36 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
New Auto Loan	-	-	5.50%	60 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Used Auto Loan	-	-	5.50%	60 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
New Auto Loan	-	-	6.25%	84 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%
Used Auto Loan	-	-	6.25%	84 Months
Details Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Lafayette Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard® Credit Card	-	11.65%
Details Variable Rate Information: APR=Annual Percentage Rate. Your APR may vary. Your rate is determined by adding a Margin (initially determined based on an evaluation of each member's credit score, economic conditions and other risk factors) to the highest Prime Rate published in the Wall Street Journal on the first business day of the current month, and the rate will then adjust monthly (on the first day of your billing cycle), according to monthly increases or decreases in the Wall Street Journal Prime Rate. The APR will not be more than 18.00%, regardless of the Wall Street Journal Prime Rate. The margin applicable to your account is subject to review every 6 months. After a period of 12 months from card issuance, we may increase or decrease the margin applicable to your account based upon changes in your credit history. We will notify you in accordance with applicable law before we apply any margin increase to your account. The margins will range from 4.90%-13.90% as described in paragraph 5 of your Lafayette Credit Union Platinum Mastercard Credit Card Terms and Conditions. Rates and terms shown are effective as of April 29, 2026. Determined by your credit worthiness.After that, APR will vary with the most recent Prime Rate published in the Wall Street Journal and a margin determined by credit history. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lafayette Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Lafayette Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lafayette Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lafayette Federal Credit Union

Website https://www.lfcu.org

Address 2701 Tower Oaks Blvd, Rockville, MD 20852

Phone 301-929-7990

Fax

President Mary Jo Morris

CEO John Farmakides

Full-Time Employees 227

Part-Time Employees 1

Branch Locations 11

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.10%

Return on Assets (ROA)

0.3991%

Return on Equity (ROE)

3.1441%

Non-Performing Loans Ratio (NPL)

1.93%

Total Assets

2,151,447,282

Total Amount of Shares and Deposits

1,874,206,468

Total Shares and Deposits < 1 Year

909,399,308

Total Shares and Deposits 1 3 Years

747,164,578

Total Shares and Deposits > 3 Years

217,642,580

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

480,596,829

Total Uninsured Shares and Deposits > $250K (F+J)

480,596,829

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,393,609,639

Total Interest Expense (Sum of items 6 8)

49,337,351

Share Certificates

26,708

Number of Accounts for Share Drafts

24,928

IRA KEOGH Accounts

696

Number of Accounts for Regular Shares

78,113

All other shares

7,944

Non Member Deposits

Money Market Shares

296

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

492,484,085

Total Liabilities

1,909,606,263

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Lafayette Federal Credit Union

How many branches does Lafayette Federal Credit Union operate?

Lafayette Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Lafayette Federal Credit Union?

Yes, to access services at Lafayette Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Lafayette Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lafayette Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lafayette Federal Credit Union offer online and mobile banking?

Most modern institutions like Lafayette Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lfcu.org.