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. Any applicable fees may reduce the stated APY.
Rates displayed are accurate as of 7/1/2020. Rates are subject to change at any time.

Savings Accounts

Account TypeDividend RateAPYMin. Balance RequirementMin. Balance to Earn APY
Share Savings0.01%0.01%$5.00$25.00
Kasasa Saver Qualified0.50% on portion of balance up to $10,000.00 and 0.15% on portion of balance $10,000.01 and above0.50 – 0.18%* depending on the balance‐‐‐‐
Kasasa Saver Base0.05%0.05%‐‐‐‐
Money Market Savings0.10%0.10%$1,500.00$1,500.00
Individual Retirement Accounts0.15%0.15%‐‐$25.00
Christmas Club0.10%0.10%‐‐$25.00
Vacation Club0.10%0.10%‐‐$25.00
Hang Ten Savings0.01%0.01% – 0.41%‐‐$25.00
Additional Savings0.01%0.01%‐‐$25.00


TermDividend RateAPYMin. Balance RequirementMin. Balance to Earn APY
6 Months0.35%0.35%$500$500
1 Year0.50%0.50%$500$500
2 Years0.75%0.75%$500$500
3 Years1.00%1.00%$500$500
4 Years1.24%1.25%$500$500
5 Years1.49%1.50%$500$500
Youth 1 Year Ages 0-170.75%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.

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.