As of 7-6-25
Learn about new developments with your local credit union, as well as current promotions, in the latest LAFCU Member Newsletter.
It's your money, so why wait? Now you don’t have to. You can receive your paycheck (and other direct deposits) up to two days early with our new “Early Pay” program. Receiving your paycheck early can help you:
• Manage your cash flow better
• Pay bills due before your regular payday
• Avoid late fees on bills and overdrafts
• Cover unexpected expenses without borrowing funds
Enjoy more financial freedom and start accessing your paycheck up to two days early. If you are a LAFCU member, you are automatically enrolled in Early Pay. If you are not receiving Early Pay, your company may be new to us. Please ask a member services representative (by phone or in a branch) how to join our Early Pay program.
Boost your savings with a 4.30% APY* share certificate for a 6-month term. The funds must be “new money only,” meaning the funds must be deposited in your LAFCU account within 30 days prior to the date you open the certificate. To open a Certificate, call us during business hours at (877) 695-2328 or visit a branch.
*APY = Annual Percentage Yield for this Share Savings Certificate (certificate) promotion. The certificate has a 4.30% APY, a dividend of 4.211%. and a term of 6 (six) consecutive months after it’s opened. The minimum opening deposit per certificate is $10,000 and the maximum is $2,000,000. Multiple Certificates can be opened if the opening balance of each one is between $10,000 to $2,000,000. Additional funds can be deposited into the certificate after it’s opened, and the maximum additional funds are equal to the opening deposit (for example, if a certificate is opened with a $50,000 deposit, the total additional deposits can only equal $50,000 or less). This Certificate can only be opened at LAFCU starting 6/2/25. When this Certificate matures, it will automatically renew for another 6-month term at the rate in effect at maturity equal to the member’s Relationship Rewards level (Bronze, Silver, or Gold), and/or if the member is age 60+ and/ or had opened a Jumbo Certificate (over $100,000 opening deposit). This offer is subject to change or may be discontinued without notice. The actual APY will be calculated to three decimal points. The funds for the certificate must be “new money only,” meaning the funds must be deposited in your LAFCU account within 30 days prior to the date you open the certificate. Only LAFCU members have access to our services, including Certificates. For more details, search “Master Disclosures” on our website & read the section “Terms & Conditions Applicable to Share Certificate Accounts.”
Want to save money on your vehicle loan? For a limited time, LAFCU will LOWER the rate by a minimum of 1% APR* to as low as 4.75% APR* when you refinance the loan from another lender with us.
Anyone who lives in the Great LA Metropolitan Area can join LAFCU. Call (877) 695-2328 or visit a LAFCU branch today…then save on your vehicle loan after switching it to LAFCU!
* APR = Annual Percentage Rate. Refinance offer only available on vehicle loans with any lender or financial institution other than Los Angeles Federal Credit Union (LAFCU). Minimum vehicle loan rate lowering is 1.00% APR on your current vehicle loan rate, or we will give you our lowest LAFCU rate, whichever saves you more. The lowest vehicle loan rate at LAFCU is 4.75%APR; one way of getting this rate is to have a 750+ FICO credit score, a Gold Relationship Rewards tier, automatic vehicle loan payments set up, financing a vehicle loan up to 60 months, and redeeming enough CU Rewards points (based on the vehicle loan amount) from your LAFCU Visa Signature Rewards Platinum credit card. Ask us about other ways to get the 4.75%APR. When refinancing, the LAFCU loan will match the remaining term and balance owed on the loan from the other lender. Total loan cannot exceed 100% Loan-To-Value, except when including financing for GAP and/or MBI. This offer is subject to change and may be discontinued without notice. Only LAFCU members have access to our services, including vehicle loans. Rates and fees subject to change without notice and may affect the APR. All loans are subject to normal credit granting criteria. Other conditions may apply. You must be a member of LAFCU to obtain credit.
If your home needs upgrading, LAFCU can help! Apply today for our limited-time Home Equity Line of Credit (HELOC) at only 5.99% APY* for the first 12 months. After getting approved, use the funds for anything like home remodeling or repair, traveling, or paying taxes.
Offer is valid from 6/1/25 to 8/31/25 with loan amounts from $5,000 to $500,000. Draw up to 80% of your home’s appraised value minus liens and access your funds easily with our convenient paper checks (upon request), or have the funds transferred directly to your online banking account or mobile app for quicker access.
Win a $500 Gift Card
Each person that opens a new HELOC during the offer time will automatically enter a raffle to win a $500 gift card and could get up to TEN entries, based on the amount advanced. One card will be awarded each month during the 3-month promo with 3 separate winners.
Your home has value in more ways than one. You’ve put a lot of time and work in your home, now it’s time for your home to work for you. To apply for a HELOC, either visit the Mortgage Loans page on our website & click “Apply for a HELOC Loan,” call us, or visit a branch.
*APR = Annual Percentage Rate. Each LAFCU member who opens a NEW Home Equity Line of Credit (HELOC) from 6/1/25 to 8/31/25 will get a 5.99%APR fixed offer rate for 12 consecutive months on amounts advanced from their variable-rate HELOC during the offer period. Minimum advance is $5,000 and maximum is $500,000. After the offer period, the APR on the HELOC will revert to the regular APR at that time; and as of 5/27/25, it’s 7.99% APR. Each advance made from the HELOC during the offer period will start a new 12-consecutive month time period in which you will owe the offer rate on that advance. For example, if you take an advance on 7/1/25, then the amount advanced will get the offer rate until 7/1/26. The offer’s HELOC APR reverts to the regular, non-offer APR in effect at LAFCU 12 months after each advance. Draw up to 80% of your home’s appraised value, minus liens. Access funds via paper “Convenience Checks” (upon request), or by transfer from your online banking account or mobile app. Relationship Rewards discounts and refinances of existing HELOCs do not apply to this offer. HELOCs are for single-family, owner-occupied residences. Other conditions & some restrictions may apply. Offers and rates are subject to change without notice. All HELOCs subject to normal credit-granting criteria, and have no fees, points or closing costs.
Each month of the promo LAFCU will hold a raffle and give away one $500 gift card to one randomly chosen person, which could be a LAFCU member or non-member who did or did not open a LAFCU HELOC during that month. A LAFCU member who opens a new LAFCU HELOC during the offer period will get ONE entry to a raffle during the month they opened the HELOC for each $10,000 advanced, with a maximum of TEN entries (if they advanced $100,000). LAFCU members & non-members who do not open a HELOC during the promo can get ONE raffle entry being held the month they send the sentence “Please enter me in the HELOC promo” via email (MarketingDept@lafcu.org) or in a letter mailed to the LAFCU Marketing Department (Attn: HELOC Raffle, PO Box 53032, Los Angeles, CA 90053). Since a new raffle is held each month for three consecutive months, a person’s entry emailed or mailed to LAFCU will count as one entry and only be part of the raffle held the month the entry was received. The odds of winning depend on the number of entries received. No purchase necessary to enter a raffle. After the offer period, anyone can request the names (first name initial & full last name) of the winners by sending an email or letter to the previously mentioned email or PO Box address and write “HELOC Offer Winners List Request” in the email or on the envelope.
Enter your Initial Deposit then click "Calculate" to view the Value at Maturity of a 4.30% APY* Certificate:
| Initial Deposit: ($500 minimum) |
|
| Term: | 6 months |
| Dividend Rate: (compounded monthly) |
4.211% |
| Annual Percentage Yield (APY): | 4.30% |
| Value at Maturity: (before taxes) |
Note: This calculator is a self-help tool for your independent use and is not intended to provide investment or tax advice. The accuracy of calculations and their applicability to your circumstances are not guaranteed. All examples are hypothetical and are for illustrative purposes only. Please consult a financial professional for your personal situation.