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Savings Rates

Rates are subject to change.

Savings Accounts (Savings, Special Savings & Holiday Club Accounts)
Average Daily BalanceDividend RateAnnual Percentage Yield**
$100.00 - $999.990.02%0.02%
$1,000.00 - $24,999.990.05%0.05%
$25,000.00 and over0.10%0.10%
Money Market
Average Daily BalanceDividend RateAnnual Percentage Yield**
$2,500.00 - $9,999.990.10%0.10%
$10,000.00 - $24,999.990.12%0.12%
$25,000.00 - $49,999.990.15%0.15%
$50,000.00 and over0.15%0.15%
IRA Savings
Average Daily BalanceDividend RateAnnual Percentage Yield**
$100.00 - $2,499.990.15%0.15%
$2,500.00 - $9,999.990.25%0.25%
$10,000.00 and over0.25%0.25%
Checking Accounts (Regular Checking & Senior Checking Accounts)
Average Daily BalanceDividend RateAnnual Percentage Yield**
$500.00 and over0.05%0.05%
Checking Accounts (Premier Account)
Average Daily BalanceDividend RateAnnual Percentage Yield**
$0.01 and over4.88%5.00%***
Term Share & IRA Certificates
TermDividend RateTier 1 APY1
12 Month3.93%4.00%
24 Month3.54%3.60%
36 Month3.20%3.25%
48 Month3.30%3.35%
60 Month3.40%3.45%
Freedom (No-Penalty) Certificate
TermDividend RateAnnual Percentage Yield**
7 Month3.68%3.75%*****
Save to Win Certificate
TermDividend RateAnnual Percentage Yield**
12 Month3.93%4.00%******

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.

**APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.

***APY = Annual Percentage Yield. Other restrictions may apply. 5% APY is earned on balances up to $25,000 if debit card is used to make at least 15 debit card transactions each month. Balances over $25,000 earns .01% APY. Must maintain minimum balance of $25. Limit one account per social security number.

1. $1,000.00 minimum to open each regular account, $500.00 to open each youth account
Tier 2 CD’s earn .05% over Tier 1 CD interest rate when opened or at renewal. $25,000.00 minimum to open each regular account
Tier 3 CD’s earn .10% over Tier 1 CD interest rate when opened or at renewal. $50,000.00 minimum to open each regular account
Substantial penalty may be imposed for early withdrawal

*****APY = Annual Percentage Yield. Minimum balance to open the account and earn this APY is $1,000. With a No-penalty certificate, you may withdraw the total balance and interest earned, without penalty, beginning 14 days after the funds have been received for your certificate. No withdrawals are permitted during the first 14 days following the receipt of funds.

******Minimum balance to open the account and earn this APY is $25.

Rates are current as of January 28, 2025 unless otherwise noted and are subject to change.

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In order to obtain loan payoff, please call Las Colinas Federal Credit Union at 214.273.5094.