Savings & Certificates Rates

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Reach your savings goals

Lanco FCU offers a variety of free accounts to make managing your finances easier so you can reach your savings goals. Learn more about savings accounts.

APY means Annual Percentage Yield. Early withdrawal from a Certificate may incur a penalty. Any applicable fees may reduce the stated APY.
Rates displayed are accurate as of 4/1/2024. Rates are subject to change at any time.

Certificate Specials

Term Dividend Rate APY Min. Balance Requirement Min. Balance to Earn APY
6-Month Certificate Special* 5.15% 5.25% $1,000 new money $1,000
12-Month Certificate Special* 4.91% 5.00% $1,000 new money $1,000
17-Month Certificate Special* 4.38% 4.45% $1,000 new money $1,000

How to Open a Special Rate Certificate: Visit any Lanco FCU branch to take advantage of these special rates! For more information or to schedule an appointment, please contact us.

Savings Accounts

Account Type Dividend Rate APY Min. Balance Requirement Min. Balance to Earn APY
Share Savings 0.05% 0.05% $5.00 $25.00
Kasasa Saver Qualified 1.00% on portion of balance up to $50,000.00 and 0.35% on portion of balance $50,000.01 and above 1.00 – 0.64%^ depending on the balance ‐‐ ‐‐
Kasasa Saver Base 0.05% 0.05% ‐‐ ‐‐
Individual Retirement Accounts 0.35% 0.35% ‐‐ $25.00
Christmas Club 0.10% 0.10% ‐‐ $25.00
Vacation Club 0.10% 0.10% ‐‐ $25.00
Hang Ten Savings 0.05% 0.05% ‐‐ $25.00
Additional Savings 0.05% 0.05% ‐‐ $25.00

Money Market Savings Accounts

Account Type Balance Dividend Rate APY Min. Balance Requirement Min. Balance to Earn APY
Money Market Savings $1,500.00–$25,000.00 0.65% 0.65% $1,500.00 $1,500.00
Money Market Savings $25,000.01–$50,000.00 1.00% 1.00% $1,500.00 $1,500.00
Money Market Savings $50,000.01–$100,000.00 1.49% 1.50% $1,500.00 $1,500.00
Money Market Savings $100,000.01 or greater 2.96% 3.00% $1,500.00 $1,500.00

Certificates

Term Dividend Rate APY Min. Balance Requirement Min. Balance to Earn APY
6 Months 1.24% 1.25% $500 $500
1 Year 1.54% 1.55% $500 $500
2 Years 1.59% 1.60% $500 $500
3 Years 1.74% 1.75% $500 $500
4 Years 1.93% 1.95% $500 $500
5 Years 1.93% 1.95% $500 $500
Youth 1 Year Ages 0-17 1.00% 1.00% $250 $250

^Blended APY calculations are based on an assumed total account balance of $110,000.

*Certificate Specials APY (Annual Percentage Yield) available as of 2/1/2024 and require a minimum opening deposit of $1,000 or more comprised of new money only. 6-Month Certificate Special will automatically renew with a 6-month term; 12-Month and 17-Month Certificate Specials will automatically renew with a 12-month term. Early withdrawals may incur a penalty. Offer may be changed or withdrawn at any time. Speak with a Lanco FCU representative to open a certificate with a special rate.

The opening balance of a Youth Certificate must be less than $500.00 to earn the rate advertised. Only one Youth Certificate allowed per account. Additional certificates and certificates with opening balances of $500.00 or more will earn the rate of regular certificates.