Save Smart.
Earn More
Two great ways to grow your money—Savings Plus with no minimums, and a 4-Month CD with a standout rate.
Open Savings Plus
Savings made flexible - no hoops!
No minimum balance
No monthly fee
Tiered, dividend-bearing structure (earn more as your balance grows)
Perfect for emergency funds, a special trip, and everyday savings, without fees getting in the way.
Open 4-Month CD
Lock in a strong return in just 4 months
Rate 4.150%/4.23% APY
New or current money allowed
Certificates will automatically renew at current rate if desired
Additional terms/rates available
Which option fits you?
Pick a path that matches your goal.
| Goal | Chose | Why |
|---|---|---|
| Building an emergency fund or saving for near-term purchases | Savings Plus | No minimums, no monthly fees, tiered dividends you can keep growing |
| Parking cash for a set period to earn more | 4-Month CD | Competitive rate and fixed APY for a short, predictable term |
| New to LFCU? | Either | Join in minutes and start earning right away |
Become a Member Today
Already a Member? Log In
FAQs
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Members of Lutheran Federal Credit Union. New members are welcome—start your application online.
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Savings Plus: No minimum balance and no monthly fee.
4-Month CD: $1,000 minimum opening balance. -
No, our CDs are fixed for the length of the term.
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Early withdrawal penalties apply and will reduce earnings. See account disclosures for details.
APY = Annual Percentage Yield. Rates subject to change. Early withdrawal penalties apply to certificates. Membership eligibility required.