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Lafayette Federal Credit Union

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Lafayette Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Lafayette Federal Credit Union?

Current rates for Lafayette Federal Credit Union include: 12-Month CD: 3.76%, 18-Month CD: 3.66%, 24-Month CD: 3.71%, 60-Month CD: 3.25%, Savings: 3.56%, MMA: 0.30%

Q: What CD terms does Lafayette Federal Credit Union offer?

Lafayette Federal Credit Union CD rates are 3.76% APY for a 12 month CD, 3.66% APY for an 18 month CD, 3.71% APY for a 2 year CD, 3.66% APY for a 3 year CD, 3.61% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Lafayette Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Lafayette Federal Credit Union's Fixed-Rate CD - 1-year term rates are at 3.76%, Fixed-Rate CD - 2-year term rates are at 3.71%, Fixed-Rate CD - 3-year term rates are at 3.66%, Variable-Rate CD - 18-month term rates are at 3.66%, Fixed-Rate CD - 4-year term rates are at 3.61%. Lafayette Federal Credit Union's savings rates are at 3.56%. Lafayette Federal Credit Union's money market rates are at 0.30%. Lafayette Federal Credit Union's checking rates are as high as 1.00%. Lafayette Federal Credit Union's Personal Loan Rates are as low as 8.99%. Lafayette Federal Credit Union's Credit Card Rates are at 11.65%. Lafayette Federal Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Lafayette Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.96%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.96%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Lafayette Federal Credit Union
Norman Cohen Financial Service Center

2701 Tower Oaks Blvd
Rockville, MD 20852

https://www.lfcu.org

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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.

Lafayette Federal Credit Union CD Rates

Product	Rate	APY	Term
Fixed-Rate Certificate - 1-year term	3.70%	3.76%	1-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.70%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 1-year term	3.70%	3.76%	1-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.70%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Fixed-Rate Certificate - 2-year term	3.65%	3.71%	2-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.65%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 2-year term	3.65%	3.71%	2-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.65%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
18 Month IRA Variable-Rate Certificate	3.60%	3.66%	18-month
Min Deposit $50 Min Balance $50 Details Variable-Rate; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Fixed-Rate Certificate - 3-year term	3.60%	3.66%	3-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.60%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 3-year term	3.60%	3.66%	3-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.60%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Variable-Rate Certificate - 18-month term	3.60%	3.66%	18-month
Min Deposit $50 Min Balance $50 Details Variable-Rate Certificate; Min. to Earn APY: $50; dividends compounded and credited monthly Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Fixed-Rate Certificate - 4-year term	3.55%	3.61%	4-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.55%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 4-year term	3.55%	3.61%	4-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.55%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
3 Year IRA Variable-Rate Certificate	3.50%	3.56%	3-year
Min Deposit $50 Min Balance $50 Details Variable-Rate; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Fixed-Rate Certificate - 5-year term	3.50%	3.56%	5-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.50%; Min. to Open $500; Min. to Earn APY $500; Early withdrawal penalties may apply; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Fixed-Rate Certificate - 5-year term	3.50%	3.56%	5-year
Min Deposit $500 Min Balance $500 Details Dividend rate 3.50%; Min. to Earn APY $500; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Variable-Rate Certificate - 3-year term	3.50%	3.56%	3-year
Min Deposit $50 Min Balance $50 Details Variable-Rate Certificate; Min. to Earn APY: $50; dividends compounded and credited monthly Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
5 Year IRA Variable-Rate Certificate	3.20%	3.25%	5-year
Min Deposit $50 Min Balance $50 Details Variable-Rate; dividends compounded and credited monthly; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Variable-Rate Certificate - 5-year term	3.20%	3.25%	5-year
Min Deposit $50 Min Balance $50 Details Variable-Rate Certificate; Min. to Earn APY: $50; dividends compounded and credited monthly Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Savings Rates

Product	Rate	APY
Premier Savings Accounts	3.50%	3.56%
Details Balance: next $250,000.00 - $99,999,999.99; Tiered-rate account; Member must maintain at least $50,000 to earn dividends Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.46% → 3.56% ▲ 0.10 pts · high 3.56% / low 3.46% Oct 23, 20263.56%▲ from 3.46% Oct 15, 20263.46%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Premier Savings Accounts	3.40%	3.46%
Details Balance: next $150,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.46% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Premier Savings Accounts	3.30%	3.35%
Details Balance: 2nd $50,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
IRA Savings Account	3.20%	3.25%
Min Deposit $50 Details Dividends compounded and credited monthly; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Premier Savings Accounts	3.20%	3.25%
Min Deposit $50,000 Details Balance: 1st $50,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Share Savings Accounts	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Dividends compounded and credited monthly; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.30%	0.30%
Min Balance $150,000 Details Balance: $150,000 and over Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Money Market Accounts	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $149,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Money Market Accounts	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Money Market Accounts	0.00%	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	0.30%	0.30%
Min Balance $250,000 Details Balance: $250,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Business Money Market Account	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000-$249,000 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Business Money Market Account	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Business Money Market Account	0.00%	0.00%
Min Balance $0 Details Balance: $0-$9,999 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Accounts	0.025%	0.025%
Min Deposit $5 Details Balance: All Balances Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Performance Checking	-	1.00%
Min Deposit $1,000 Details Monthly Maintenance: $20; Transactions: Unlimited; Per Item Charge:; Bill Pay: Free Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line-of-Credit	-	-	7.00%
Details Featured rate to take advantage of your home's equity; limited time offer, subject to change; minimum initial draw of $10,000 on variable rate HELOC and $100,000 on fixed rate HELOC Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 7.00% Oct 23, 20267.00%▼ from 7.50% Sep 25, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.00%	36 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Auto Loan	-	-	5.00%	48 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Used Auto Loan	-	-	5.00%	36 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Used Auto Loan	-	-	5.00%	48 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Classic Vehicle Loan - 60 Months	-	-	5.50%	60 Months
Details Classic or restoration vehicles (over 20 model years old); APR includes 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; rates effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Auto - 72 Mo	-	-	5.50%	72 months
Details Lafayette FCU rate from the Datatrac rate comparison (Source: Datatrac); dated 10/27/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Auto Loan	-	-	5.50%	60 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Auto Loan	-	-	5.50%	72 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Used Auto Loan	-	-	5.50%	60 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Used Auto Loan	-	-	5.50%	72 Months
Details Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Classic Vehicle Loan - 72 Months	-	-	5.75%	72 Months
Details Classic or restoration vehicles (over 20 model years old); APR includes 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; rates effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Classic Vehicle Loan - 84 Months	-	-	6.00%	84 Months
Details Classic or restoration vehicles (over 20 model years old); APR includes 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; rates effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Classic Vehicle Loan - 120 Months	-	-	6.25%	120 Months
Details Classic or restoration vehicles (over 20 model years old); APR includes 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; rates effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Auto Loan	-	-	6.25%	84 Months
Details $25,000 minimum loan amount required for 73 to 84 months; Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Used Auto Loan	-	-	6.25%	84 Months
Details $25,000 minimum loan amount required for 73 to 84 months; Stated APR reflects 0.25% discount for qualified direct deposit and automatic debit; actual rate may be higher based on income, credit worthiness, and loan to value Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Vehicle Restoration Loans	-	-	8.00%	60 Months
Details Classic or restoration vehicles (over 20 model years old); stated APR is the lowest rate for qualified members and includes 0.25% discount for Direct Deposit and automatic debit from Lafayette Federal checking; rates effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Vehicle Restoration Loans	-	-	8.25%	72 Months
Details Classic or restoration vehicles (over 20 model years old); stated APR is the lowest rate for qualified members and includes 0.25% discount for Direct Deposit and automatic debit from Lafayette Federal checking; rates effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Vehicle Restoration Loans	-	-	8.50%	84 Months
Details Classic or restoration vehicles (over 20 model years old); stated APR is the lowest rate for qualified members and includes 0.25% discount for Direct Deposit and automatic debit from Lafayette Federal checking; rates effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loans - 36 Months	-	7.25%	36 Months
Details APR is lowest rate for qualified members; reflects 0.25% discount for Direct Deposit and automatic debit from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Rates effective as of September 23, 2026. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Motorcycle Loans - 48 Months	-	7.50%	48 Months
Details APR is lowest rate for qualified members; reflects 0.25% discount for Direct Deposit and automatic debit from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Rates effective as of September 23, 2026. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
New Motorcycle Loans - 60 Months	-	7.75%	60 Months
Details APR is lowest rate for qualified members; reflects 0.25% discount for Direct Deposit and automatic debit from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Rates effective as of September 23, 2026. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Boat Loans	-	9.25%	Up to 5 years
Details As Low As; Amount (up to 90% Purchase Price or Value): $5,000 to $20,000; Stated APR includes 0.25% discount for Direct Deposit and automatic debit; Rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Boat Loans	-	9.25%	Up to 12 years
Details As Low As; Amount (up to 90% Purchase Price or Value): $20,001 to $75,000; Stated APR includes 0.25% discount for Direct Deposit and automatic debit; Rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Boat Loans	-	9.25%	Up to 15 years
Details As Low As; Amount (up to 90% Purchase Price or Value): $75,001 to $150,000; Stated APR includes 0.25% discount for Direct Deposit and automatic debit; Rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
RV Loans - Up to 12 years	-	9.25%	Up to 12 years
Details As Low As; Amount (up to 90% Purchase Price or Value): $20,001 to $75,000; APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account; actual rate may be higher based on income, credit worthiness, and loan to value; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
RV Loans - Up to 15 years	-	9.25%	Up to 15 years
Details As Low As; Amount (up to 90% Purchase Price or Value): $75,001 to $150,000; APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account; actual rate may be higher based on income, credit worthiness, and loan to value; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
RV Loans - Up to 5 years	-	9.25%	Up to 5 years
Details As Low As; Amount (up to 90% Purchase Price or Value): $5,000 to $20,000; APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account; actual rate may be higher based on income, credit worthiness, and loan to value; effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Mastercard Credit Card	-	11.65%
Details Published APR range: 11.65%-18.00%. Purchase, Balance Transfer and Cash Advance APR; variable rate based on WSJ Prime Rate plus a margin of 4.90%-13.90%; APR will not be more than 18.00%; rates effective as of September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 11.65% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - Signature	8.99%	Up to 7 years
Details Amount: $500 - $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Signature Loan	8.99%	Up to 7 years
Details Amount: $500 - $50,000; Stated APR is lowest rate for qualified members; includes 0.25% discount for automatic payment and qualified direct deposit; effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Personal Loan - Line of Credit	9.99%	Revolving
Details Amount: $500- $50,000; Stated APR is the lowest rate available for qualified members; Actual rate may be higher based on income, credit worthiness, and extended loan terms; APR reflects 0.25% discount for automatic payment and qualified direct deposit Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

Lafayette Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loan	-	-	10.74%	5 years
Details Loan Amount: Up to $15K; APR reflects 0.25% discount for automatic payment and qualified direct deposit Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 10.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Home Improvement Loan	-	-	10.74%	10 years
Details Loan Amount: $15.1K to $20K; APR reflects 0.25% discount for automatic payment and qualified direct deposit Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 10.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Home Improvement Loan	-	-	10.74%	12 years
Details Loan Amount: $20.1K to $30k; APR reflects 0.25% discount for automatic payment and qualified direct deposit Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 10.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Home Improvement Loan	-	-	10.74%	15 years
Details Loan Amount: $30.1 to $75k; APR reflects 0.25% discount for automatic payment and qualified direct deposit Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 10.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
Line of Credit	-	-	9.99%	Revolving
Details Amount: $500- $50,000; Stated APR is lowest rate for qualified members; includes 0.25% discount for automatic payment and qualified direct deposit; effective September 23, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%
REDI-Cash Line of Credit	-	-	9.99%
Details As Low As; Borrow up to $50,000; Cover bounced checks and returned item fees Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.96%

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

Lafayette Federal Credit Union’s Texas Ratio fell from 8.91% in Q3 2023 to 7.96% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$2.1B	7.96%	5.0	A
March 31, 2026	$2.1B	9.80%	5.0	A
December 31, 2025	$2.2B	13.33%	5.0	A
September 30, 2025	$2.2B	9.10%	5.0	A
June 30, 2025	$2.0B	9.03%	5.0	A
March 31, 2025	$2.0B	7.78%	5.0	A
December 31, 2024	$2.0B	7.95%	5.0	A
September 30, 2024	$2.0B	7.52%	5.0	A
June 30, 2024	$2.0B	7.19%	5.0	A
March 31, 2024	$2.0B	8.01%	5.0	A
December 31, 2023	$2.0B	8.70%	5.0	A
September 30, 2023	$1.8B	8.91%	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 Lafayette Federal 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 Lafayette Federal 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 Lafayette Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lafayette Federal Credit Union

Website https://www.lfcu.org

Address 2701 Tower Oaks Blvd, Rockville, MD 20852

Phone 301-929-7990

Fax

President Mary Jo Morris

CEO John Farmakides

Full-Time Employees 249

Part-Time Employees 1

Branch Locations 12

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.96%

Return on Assets (ROA)

0.0529%

Return on Equity (ROE)

0.4255%

Non-Performing Loans Ratio (NPL)

2.33%

Total Assets

2,078,687,054

Total Amount of Shares and Deposits

1,800,691,908

Total Shares and Deposits < 1 Year

1,028,090,285

Total Shares and Deposits 1 3 Years

591,523,870

Total Shares and Deposits > 3 Years

181,077,754

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

509,864,381

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

509,864,381

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

1,290,827,527

Total Interest Expense (Sum of items 6 8)

33,242,420

Share Certificates

27,771

Number of Accounts for Share Drafts

26,848

IRA KEOGH Accounts

736

Number of Accounts for Regular Shares

81,422

All other shares

8,993

Non Member Deposits

Money Market Shares

296

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)

759,466,781

Total Liabilities

1,831,895,852

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Lafayette Federal Credit Union earned the Verified Healthy badge

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

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       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Lafayette Federal Credit Union

Does Lafayette Federal Credit Union offer CDs?

Yes. Lafayette Federal Credit Union current CD rates include its Fixed-Rate CD - 1-year term at 3.76% APY, its Fixed-Rate CD - 2-year term at 3.71% APY and its Fixed-Rate CD - 3-year term at 3.66% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Lafayette Federal Credit Union NCUA insured?

Yes. Lafayette Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Lafayette Federal Credit Union?

The highest Lafayette Federal Credit Union CD rate is its Fixed-Rate CD - 1-year term at 3.76% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Lafayette Federal Credit Union offer?

Lafayette Federal Credit Union CD rates are 3.76% APY for a 12 month CD, 3.66% APY for an 18 month CD, 3.71% APY for a 2 year CD, 3.66% APY for a 3 year CD, 3.61% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Lafayette Federal Credit Union for its full lineup.

What is the highest savings rate at Lafayette Federal Credit Union?

The highest Lafayette Federal Credit Union savings rate is its Premier Savings Accounts at 3.56% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Lafayette Federal Credit Union?

The highest Lafayette Federal Credit Union money market rate is its Business Money Market Account at 0.30% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Lafayette Federal Credit Union?

The highest Lafayette Federal Credit Union checking rate is its Business Performance Checking at 1.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Lafayette Federal Credit Union?

The lowest Lafayette Federal Credit Union auto loan rate is its New Auto Loan at 5.00% APR, verified by MonitorBankRates as of October 28, 2026. Lafayette Federal Credit Union auto loan rates are 5.50% APR for a 60 month auto loan, 5.50% APR for a 72 month auto loan, 6.00% APR for an 84 month auto loan and 6.25% APR for a 120 month auto loan.

What is the lowest personal loan rate at Lafayette Federal Credit Union?

The lowest Lafayette Federal Credit Union personal loan rate is its Personal Loan - Signature at 8.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Lafayette Federal Credit Union?

The lowest Lafayette Federal Credit Union credit card APR is its Mastercard Credit Card at 11.65% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Lafayette Federal Credit Union operate?

Lafayette Federal 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 Lafayette Federal Credit Union?

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

Does Lafayette Federal Credit Union offer online and mobile banking?

Most modern institutions like Lafayette Federal 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.lfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Lafayette Federal Credit Union rates compare?

Lafayette Federal Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A health rating. Lafayette Federal Credit Union's top rates are its Fixed-Rate CD - 1-year term at 3.76% APY, its Premier Savings Accounts at 3.56% APY, its Business Money Market Account at 0.30% APY, its Business Performance Checking at 1.00% APY, its Personal Loan - Signature at 8.99% APR and its Mastercard Credit Card at 11.65% APR, verified by MonitorBankRates on October 28, 2026.

Current Lafayette Federal Credit Union Rates

12-Month CD3.76%
18-Month CD3.66%
24-Month CD3.71%
60-Month CD3.25%
Savings3.56%
MMA0.30%

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

Compare to Other Credit Unions

Lafayette Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Lafayette Federal Credit Union Texas Ratio

Lafayette Federal Credit Union Health Trend

Lafayette Federal Credit Union CD Rates

Lafayette Federal Credit Union Savings Rates

Lafayette Federal Credit Union Money Market Rates

Lafayette Federal Credit Union Business Money Market Rates

Lafayette Federal Credit Union Checking Rates

Lafayette Federal Credit Union Business Checking Rates

Lafayette Federal Credit Union Home Equity & HELOC

Lafayette Federal Credit Union Auto Loan Rates

Lafayette Federal Credit Union RV, Boat and Powersport Loan Rates

Lafayette Federal Credit Union Credit Card Rates

Lafayette Federal Credit Union Personal Loan Rates

Lafayette Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Lafayette Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Lafayette Federal Credit Union

Does Lafayette Federal Credit Union offer CDs?

Are CDs from Lafayette Federal Credit Union NCUA insured?

What is the highest CD rate at Lafayette Federal Credit Union?

What CD terms does Lafayette Federal Credit Union offer?

What is the highest savings rate at Lafayette Federal Credit Union?

What is the highest money market rate at Lafayette Federal Credit Union?

What is the highest checking rate at Lafayette Federal Credit Union?

What is the lowest auto loan rate at Lafayette Federal Credit Union?

What is the lowest personal loan rate at Lafayette Federal Credit Union?

What is the lowest credit card APR at Lafayette Federal Credit Union?

How many branches does Lafayette Federal Credit Union operate?

Is a member application needed to join Lafayette Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Lafayette Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Lafayette Federal Credit Union rates compare?

Current Lafayette Federal Credit Union Rates

Compare to Other Credit Unions