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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 LAF Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
LAF Credit Union's IRA Jumbo 12 Month CDs rates are at 3.45%, Jumbo 12 Month Term CDs rates are at 3.45%, IRA CDs 12 Month rates are at 3.35%, Regular Term CDs 12 Month rates are at 3.35%, Youth CDs 12 Month rates are at 3.35%. LAF Credit Union's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of LAF Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.38%. Rates were last updated on 03/27/2026. LAF 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 LAF Credit Union? Share your experience about LAF Credit Union by leaving a review below, or read customer reviews before you decide to use LAF Credit Union. 
LAF Credit Union CD Rates
LAF Credit Union Money Market Rates
LAF Credit Union Checking Rates
LAF Credit Union Home Equity & HELOC
LAF Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for LAF 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 LAF 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 LAF Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
LAF Credit Union
Website
https://www.lafcu.com
Address
106 N Marketplace Blvd,
Lansing, MI 48917 7753
Phone
517-622-6600
Fax
517-622-6909
President
Randall Freeman
CEO
Patrick Spyke
Full-Time Employees
179
Part-Time Employees
12
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.38%
Return on Assets (ROA)
0.6181%
Return on Equity (ROE)
3.0166%
Non-Performing Loans Ratio (NPL)
1.30%
Total Assets
1,139,990,300
Total Amount of Shares and Deposits
907,244,706
Total Shares and Deposits < 1 Year
851,044,670
Total Shares and Deposits 1 3 Years
46,983,433
Total Shares and Deposits > 3 Years
9,216,602
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
100,044,168
Total Uninsured Shares and Deposits > $250K (F+J)
100,044,168
Total Insured Shares and Deposits > $250K (item 17 less item K)
807,200,538
Total Interest Expense (Sum of items 6 8)
10,317,940
Share Certificates
7,847
Number of Accounts for Share Drafts
36,402
IRA KEOGH Accounts
2,054
Number of Accounts for Regular Shares
80,047
All other shares
8,283
Money Market Shares
5,178
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
75,074,112
Total Liabilities
916,631,700
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About LAF Credit UnionIs LAF Credit Union a safe place to deposit money?Yes, LAF Credit Union is considered a safe financial institution. With a Texas Ratio of 4.3771008470231%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does LAF Credit Union operate?LAF 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 LAF Credit Union?Yes, to access services at LAF 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, LAF 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, LAF Credit Union provides members with tools to manage their accounts and build a solid financial history. Does LAF Credit Union offer online and mobile banking?Most modern institutions like LAF 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.lafcu.com. Current LAF Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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