Savings

SAVING FOR YOUR FUTURE… NEAR AND FAR

Saving money for your goals is the key to a successful financial plan. From short-term goals, like putting money away for a new computer or a down payment on new car, to long-term, such as saving money for college or retirement, we will help you but together the best savings program for your future.

LCCU has a variety of accounts from basic savings to higher-interest accounts, or even a mix of products to help you save for a number of goals at the same time and we will take the time to help you plan it out. You don’t have to be a financial genius to experience success with saving money, you just have to have the desire.

If you’re not a member and you’d like to enjoy the LCCU benefits, we’d be happy to get you enrolled today. Please call or enroll online.

WHY JOIN LCCU

Regular Savings Accounts

Holiday Club Accounts

Young Savers Club

IRA Accounts

Medical Savings Accounts

Certificate Accounts

SAVINGS RATES

Rates current as of July 27, 2022

ACCOUNTS	DIVIDEND RATE	APY*
Regular Shares ($25.00 & Over)	.05%	.05%
MONEY MARKET	DIVIDEND RATE	APY*
$500.00 to $9,999.99	.10%	.10%
$10,000.00 to $49,999.99	.10%	.10%
$50,000.00 to $99,999.99	.15%	.15%
$100,000.00 or greater	.15%	.15%
CERTIFICATES (Includes IRA Certificates)	DIVIDEND RATE	APY*
6 Months	0.40%	0.40%
12 Months	0.55%	0.55%
18 Months	0.65%	0.65%
19 Months Special¹	3.00%	3.04%
24 Months	0.70%	0.70%
36 Months	0.75%	0.75%
37 Months Special²	3.50%	3.56%
48 Months	0.90%	0.90%
60 Months	1.00%	1.00%

*APY = Annual Percentage Yield

1 The 19-month certificate special is being offered on new money deposited for a limited time and may end without notice. New money is defined as funds that were not at LCCU, in any type of account as of June 30, 2022, prior to taking advantage of the 19-month certificate special. This is a non-renewable certificate for the 19-month term and will automatically renew into an 18-month term at the published rate for that product, unless you have selected a different term or another share, prior to maturity. All other terms and conditions are subject to the Account Agreement, All About Your Account and Truth in Savings Disclosures.

2 The 37-month certificate special is being offered on new money deposited for a limited time and may end without notice. New money is defined as funds that were not at LCCU, in any type of account as of June 30, 2022, prior to taking advantage of the 37-month certificate special. This is a non-renewable certificate for the 37-month term and will automatically renew into a 36-month term at the published rate for that product, unless you have selected a different term or another share, prior to maturity. All other terms and conditions are subject to the Account Agreement, All About Your Account and Truth in Savings Disclosures.

NOT A MEMBER YET?

If you live, work, volunteer, worship or attend school in Clearwater, Idaho, Latah, Lewis, and Nez Perce counties in the state of Idaho and all counties in the state of Washington…you’re eligible for membership! Apply online, call or stop by our office today our staff will be glad to open your account. Start saving for your future today.

SAVINGS