# LAFCU CD and share certificate rates

As of October 22, 2026, LAFCU's highest tracked CD (share certificate) rate is 3.35% APY on a 12-month CD ($10,000 minimum). That is 1.9 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.95% to 3.35% APY.

Canonical page: https://apyledger.com/cd-rates/lafcu
Institution: Lafcu Credit Union (NCUA 68632)
Aliases: Lansing Area Federal Credit Union
Status: live
Last verified: 2026-10-23T02:10:22.000Z (October 22, 2026)
Official source: https://www.lafcu.com/cds
Coverage: Membership required. CD rates from 3 to 60 months in the two rate sets published on the source; see the source for which applies. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular Term Share Certificate | standard | 3 months | $50 | 3.10% | Not ZIP-priced | −1.19% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Regular Term Share Certificate | standard | 6 months | $50 | 3.20% | Not ZIP-priced | −1.20% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Jumbo Term Share Certificate | standard | 12 months | $10,000 | 3.35% | Not ZIP-priced | −1.22% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Regular Term Share Certificate | standard | 12 months | $50 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Regular Term Share Certificate | standard | 12 months | $50 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 24 months | $10,000 | 3.10% | Not ZIP-priced | −1.77% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 24 months | $10,000 | 3.10% | Not ZIP-priced | −1.77% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Regular Term Share Certificate | standard | 24 months | $50 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 36 months | $10,000 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 36 months | $10,000 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Regular Term Share Certificate | standard | 36 months | $50 | 2.95% | Not ZIP-priced | −2.00% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 48 months | $10,000 | 3.05% | Not ZIP-priced | −1.93% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 48 months | $10,000 | 3.05% | Not ZIP-priced | −1.93% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Regular Term Share Certificate | standard | 48 months | $50 | 2.95% | Not ZIP-priced | −2.03% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 60 months | $10,000 | 3.05% | Not ZIP-priced | −1.96% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| MOOve Rate Jumbo Certificate | standard | 60 months | $10,000 | 3.05% | Not ZIP-priced | −1.96% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |
| Regular Term Share Certificate | standard | 60 months | $50 | 2.95% | Not ZIP-priced | −2.06% | 2026-10-23T02:10:22.000Z | [Snapshot 861](https://apyledger.com/snapshots/861) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.