What are the current interest rates at LAF Credit Union?

Current rates for LAF Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 2.95%, MMA: 0.20%

☰

Home›
Credit Unions›
LAF Credit Union

iAdvertiser Disclosure

LAF Credit Union Rates & Review October 2026

Q: How many branches does LAF Credit Union operate?

LAF 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.

Q: Is a member application needed to join LAF Credit Union?

Yes, to access services at LAF 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.

Q: Is there a first-time homebuyer program?

Currently, LAF 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, LAF 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 and Verified: October 14, 2026

LAF Credit Union's top rates as of October 14, 2026 are 3.35% APY on its HSA IRA Jumbo CD - 12 Month, 0.20% APY on money market accounts, 0.10% APY on checking, personal loans from 8.99% APR, and credit cards from 8.49% APR, according to rates verified by MonitorBankRates. Other LAF Credit Union CD rates include HSA Jumbo Term CD - 12 Month at 3.35%, HSA IRA CD - 12 Month at 3.25%, and HSA Regular Term CD - 12 Month at 3.25%. MonitorBankRates evaluates the financial stability of LAF Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.73%. Rates last updated and verified on 10/14/2026.

LAF 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 LAF Credit Union? Share your experience about LAF Credit Union by leaving a review below, or read customer reviews before you decide to use LAF Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.73%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

LAF Credit Union
Main

106 N Marketplace Blvd
Lansing, MI 48917-7753

https://www.lafcu.com

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

LAF Credit Union CD Rates

Product	Rate	APY	Term
HSA IRA Jumbo Certificate - 12 Month	3.30%	3.35%	12 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; IRA; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Jumbo Term Share Certificate - 12 Month	3.30%	3.35%	12 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Certificate - 12 Month	3.20%	3.25%	12 Month
Details IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 12 Month	3.20%	3.25%	12 Month
Min Deposit $50 Details Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Youth Certificate - 12 Month	3.20%	3.25%	12 Month
Details Youth Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Certificate - 6 Month	3.15%	3.20%	6 Month
Details IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 6 Month	3.15%	3.20%	6 Month
Min Deposit $50 Details Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Certificate - 3 Month	3.06%	3.10%	3 Month
Details IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Jumbo Certificate - 24 Month	3.06%	3.10%	24 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; IRA; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Jumbo Term Share Certificate - 24 Month	3.06%	3.10%	24 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 3 Month	3.06%	3.10%	3 Month
Min Deposit $50 Details Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Jumbo Certificate - 36 Month	3.01%	3.05%	36 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; IRA; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Jumbo Certificate - 48 Month	3.01%	3.05%	48 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; IRA; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Jumbo Certificate - 60 Month	3.01%	3.05%	60 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; IRA; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Jumbo Term Share Certificate - 36 Month	3.01%	3.05%	36 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Jumbo Term Share Certificate - 48 Month	3.01%	3.05%	48 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Jumbo Term Share Certificate - 60 Month	3.01%	3.05%	60 Month
Min Deposit $10,000 Details Rates accurate as of 06/29/26; Regular Term Share Certificates require $50 to open; Jumbo, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Certificate - 24 Month	2.95%	3.00%	24 Month
Details IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 24 Month	2.95%	3.00%	24 Month
Min Deposit $50 Details Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Certificate - 36 Month	2.91%	2.95%	36 Month
Details IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Certificate - 48 Month	2.91%	2.95%	48 Month
Details IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Certificate - 60 Month	2.91%	2.95%	60 Month
Details IRA Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 36 Month	2.91%	2.95%	36 Month
Min Deposit $50 Details Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 48 Month	2.91%	2.95%	48 Month
Min Deposit $50 Details Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA Regular Term Share Certificate - 60 Month	2.91%	2.95%	60 Month
Min Deposit $50 Details Regular Term Share Certificates; Rates accurate as of 06/29/26; Term Share, Youth, IRA, & HSA Certificates Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Money Market Rates

Product	Rate	APY
HSA IRA Money Market	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000 & Above; Rates accurate as of 12/6/24; Dividend Rate and APY on entire balance when funds are within specified range; IRA & HSA Money Market Rates Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Money Market	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000 - $19,999.99; Rates accurate as of 12/6/24; Dividend Rate and APY on entire balance when funds are within specified range; IRA & HSA Money Market Rates Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Money Market	0.15%	0.15%
Min Balance $20,000 Details Balance: $20,000 - $99,999.99; Rates accurate as of 12/6/24; Dividend Rate and APY on entire balance when funds are within specified range; IRA & HSA Money Market Rates Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
HSA IRA Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - 4,999.99; Rates accurate as of 12/6/24; Dividend Rate and APY on entire balance when funds are within specified range; IRA & HSA Money Market Rates Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Checking Rates

Product	Rate	APY
Checking	0.10%	0.10%
Min Balance $10,000 Details Regular Tier 3; Balance: $10,000 & Above; Dividends paid only on funds within specified range Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Checking	0.05%	0.05%
Min Balance $2,500 Details Regular Tier 2; Balance: $2,500 - $9,999.99; Dividends paid only on funds within specified range Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Business Checking Rates

Product	Rate	APY
Business Premier Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 and above; First 200 items free, then $0.25 ea; Dividends Compounded/Credited/Period: Monthly; Maintenance Fee: $25.00; Minimum Balance to Avoid Maintenance Fee: $20,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Business Premier Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; First 200 items free, then $0.25 ea; Dividends Compounded/Credited/Period: Monthly; Maintenance Fee: $25.00; Minimum Balance to Avoid Maintenance Fee: $20,000.00 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan (Fixed Rate)	-	-	6.39%
Details As Low As; Rates accurate as of 09/03/26; Rates may vary based on credit history and LAFCU's underwriting guidelines Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Home Equity Michigan Saves Home Energy Loan	-	-	6.49%
Details As Low As; Michigan owner-occupied properties only; Rates accurate as of 09/03/26; Rates may vary based on credit history and LAFCU's underwriting guidelines Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Home Equity Home Improvement Loan	-	-	8.99%
Details As Low As; Rates accurate as of 09/03/26; Rates may vary based on credit history and LAFCU's underwriting guidelines Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Vehicle Loans	-	-	4.99%
Details As Low As; APR*; Rates accurate as of 05/18/26. Rate determined by credit history, terms, and security. Vehicle insurance is required. New purchases or refinances from other financial institutions only. Some restrictions may apply. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycles Loan	-	6.79%
Details As Low As; 600 CC and up; Recreational insurance required; New purchases or refinances from other financial institutions only Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 6.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Large RV & Boat Loan	-	7.29%
Details As Low As; Motor homes, fifth-wheelers, boats, and travel trailers; Recreational insurance required; New purchases or refinances from other financial institutions only Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 7.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Motorsports & Campers Loan	-	8.19%
Details As Low As; Lawn tractors, dirt bikes, snowmobiles, jet ski's, and small RV's; Recreational insurance required; New purchases or refinances from other financial institutions only Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 8.19% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Recreational Loans	-	8.49%	Up to 180 months
Details As Low As; Recreational loan term up to 180 months; Recreational insurance required; New purchases or refinances from other financial institutions only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Credit Card Rates

Product	Rate	APR
Simple Visa	-	8.49%
Details As Low As; Annual Percentage Rate; Rates accurate as of 04/21/26; All credit cards offer a 10 day grace period Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 19.99% → 8.49% ▼ 11.50 pts · high 19.99% / low 8.49% Sep 18, 20268.49%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Rewards Visa	-	12.40%
Details As Low As; Annual Percentage Rate; Rates accurate as of 04/21/26; All credit cards offer a 10 day grace period Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 19.99% → 12.40% ▼ 7.59 pts · high 19.99% / low 12.40% Sep 18, 202612.40%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Visa Signature	-	18.24%
Details As Low As; Annual Percentage Rate; Rates accurate as of 04/21/26; All credit cards offer a 10 day grace period Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 19.99% → 18.24% ▼ 1.75 pts · high 19.99% / low 18.24% Sep 18, 202618.24%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Personal Loan Rates

Product	APR	Term	View More
Debt Consolidation Loan	8.99%
Details As Low As; Personal Loan; Rates accurate as of 10/01/26 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Visa Signature	18.24%
Details As Low As; Annual Percentage Rate; Rates accurate as of 04/21/26; All credit cards offer a 10 day grace period Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 19.99% → 18.24% ▼ 1.75 pts · high 19.99% / low 18.24% Sep 18, 202618.24%▼ from 19.99% Sep 14, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

LAF Credit Union Other Rates

Product	Rate	Points	APY/APR
Holiday Loan	-	-	8.99%
Details As Low As; Personal Loan; Rates accurate as of 10/01/26 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%
Your Life. Your Loan	-	-	8.99%
Details As Low As; Personal Loan; Rates accurate as of 10/01/26 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.73%

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.

Financial Health History

LAF Credit Union’s Texas Ratio fell from 8.65% in Q3 2023 to 3.73% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	3.73%	5.0	A+
March 31, 2026	$1.1B	3.39%	5.0	A+
December 31, 2025	$1.1B	4.42%	5.0	A+
September 30, 2025	$1.1B	4.20%	5.0	A+
June 30, 2025	$1.1B	3.69%	5.0	A+
March 31, 2025	$1.2B	3.73%	5.0	A+
December 31, 2024	$1.1B	5.57%	5.0	A+
September 30, 2024	$1.1B	4.55%	5.0	A+
June 30, 2024	$1.1B	4.84%	5.0	A+
March 31, 2024	$1.1B	7.92%	5.0	A
December 31, 2023	$1.0B	8.50%	5.0	A
September 30, 2023	$1.0B	8.65%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for LAF 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 LAF 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 LAF Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name LAF Credit Union

Website https://www.lafcu.com

Address 106 N Marketplace Blvd, Lansing, MI 48917-7753

Phone 517-622-6600

Fax 517-622-6909

President Randall Freeman

CEO Patrick Spyke

Full-Time Employees 183

Part-Time Employees 8

Branch Locations 10

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+ (98/100)

Texas Ratio

3.73%

Return on Assets (ROA)

0.1572%

Return on Equity (ROE)

0.7608%

Non-Performing Loans Ratio (NPL)

1.24%

Total Assets

1,125,801,872

Total Amount of Shares and Deposits

891,829,528

Total Shares and Deposits < 1 Year

820,249,231

Total Shares and Deposits 1 3 Years

64,824,541

Total Shares and Deposits > 3 Years

6,755,757

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

92,121,808

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

92,121,808

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

799,707,720

Total Interest Expense (Sum of items 6 8)

5,205,789

Share Certificates

8,282

Number of Accounts for Share Drafts

36,198

IRA KEOGH Accounts

1,896

Number of Accounts for Regular Shares

79,050

All other shares

8,278

Money Market Shares

5,043

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

81,439,451

Total Liabilities

902,189,838

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

LAF Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/lafcu-credit-union-rates-review-68632">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for LAF Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for LAF Credit Union

Frequently Asked Questions About LAF Credit Union

How many branches does LAF Credit Union operate?

LAF 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 LAF Credit Union?

Yes, to access services at LAF 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, LAF 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, LAF Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does LAF Credit Union offer online and mobile banking?

Most modern institutions like LAF 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.lafcu.com.

Current LAF Credit Union Rates

12-Month CD3.25%
24-Month CD3.00%
60-Month CD2.95%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

LAF Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

LAF Credit Union Texas Ratio

LAF Credit Union Health Trend

LAF Credit Union CD Rates

LAF Credit Union Money Market Rates

LAF Credit Union Checking Rates

LAF Credit Union Business Checking Rates

LAF Credit Union Home Equity & HELOC

LAF Credit Union Auto Loan Rates

LAF Credit Union RV, Boat and Powersport Loan Rates

LAF Credit Union Credit Card Rates

LAF Credit Union Personal Loan Rates

LAF Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

LAF Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About LAF Credit Union

How many branches does LAF Credit Union operate?

Is a member application needed to join LAF Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does LAF Credit Union offer online and mobile banking?

Current LAF Credit Union Rates

Compare to Other Credit Unions