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 1/24/2023. Rates are subject to change at any time.

Savings Accounts

Account Type Dividend Rate APY Min. Balance Requirement Min. Balance to Earn APY
Share Savings 0.01% 0.01% $5.00 $25.00
Kasasa Saver Qualified 0.25% on portion of balance up to $10,000.00 and 0.05% on portion of balance $10,000.01 and above 0.25 – 0.07%^ depending on the balance ‐‐ ‐‐
Kasasa Saver Base 0.01% 0.01% ‐‐ ‐‐
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 0.01% 0.01% – 0.41% ‐‐ $25.00
Additional Savings 0.01% 0.01% ‐‐ $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 0.15% 0.15% $1,500.00 $1,500.00
Money Market Savings $25,000.01–$50,000.00 0.20% 0.20% $1,500.00 $1,500.00
Money Market Savings $50,000.01–$100,000.00 0.35% 0.35% $1,500.00 $1,500.00
Money Market Savings $100,000.01 or greater 0.60% 0.60% $1,500.00 $1,500.00

Certificate Specials

Term Dividend Rate APY Min. Balance Requirement Min. Balance to Earn APY
12-Month Certificate Special* 2.23% 2.25% $5,000 new money $5,000
17-Month Certificate Special* 3.21% 3.25% $5,000 new money $5,000

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.

Certificates

Term Dividend Rate APY Min. Balance Requirement Min. Balance to Earn APY
6 Months 0.60 0.60% $500 $500
1 Year 0.80% 0.80% $500 $500
2 Years 1.00% 1.00% $500 $500
3 Years 1.49% 1.50% $500 $500
4 Years 1.74% 1.75% $500 $500
5 Years 1.98% 2.00% $500 $500
Youth 1 Year Ages 0-17 0.75% 0.75% $250 $250

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

The stated APY for Hang Ten Savings varies based on monthly deposit activity. The 0.41% APY stated above is calculated based on an assumed account balance of $3,000, with the account qualifying for the additional $1.00 dividend credit paid each of the 12 months.

*12-Month Certificate Special available as of 12/19/2022 and requires a 12-month term and opening deposit of $5,000 or more comprised of new money only. 17-Month Certificate Special available as of 1/18/2023 and requires a 17-month term and opening deposit of $5,000 or more comprised of new money only; will renew with 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 at this 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.