Savings
| Type | Dividend Rate | APY* |
|---|---|---|
| Regular Shares* (Savings Account) | 0.25% | 0.25% |
| Share Drafts (Checking Account) | 0.00% | 0.00% |
| Christmas Club2 | 0.40% | 0.40% |
| Vacation Club2 | 0.35% | 0.35% |
| Savings Club for Kids3 | 8.00% | 8.00% |
Tiered Savings Account
| Type | Dividend Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 2.00% | 2.02% |
| $50,000.00 - $99,999.99 | 3.00% | 3.04% |
| $100,000.00 + | 4.00% | 4.07% |
Certificates of Deposits
| Term | Dividend Rate | Minimum Deposit | APY* |
|---|---|---|---|
| 6-Month | 3.00% | $1,000 | 3.04% |
| 12-Month | 3.25% | $1,000 | 3.30% |
| 18-Month | 3.50% | $1,000 | 3.56% |
| 24-Month | 3.75% | $1,000 | 3.82% |
| 36-Month | 3.90% | $1,000 | 3.97% |
| 48-Month | 3.95% | $1,000 | 4.02% |
| 60-Month | 4.00% | $1,000 | 4.07% |
Rate Disclosure:
Dividend rates and Annual Percentage Yields (APYs) are accurate as of 9/23/2026. Rates on savings accounts may change at any time. Certificate rates are fixed for the term of the certificate once it is opened. Dividends are calculated on the daily balance and compounded monthly. The APY on certificates assumes dividends remain on deposit until maturity. A penalty may be imposed for early withdrawal from a certificate, which will reduce earnings. Fees may reduce earnings on other accounts. For the most current rate information, please contact Lowell Firefighters Credit Union directly.
2 Lowell Firefighters Credit Union – Christmas and Vacation Club Disclosure:
APY will be paid on the balance of the account up to the first $5,000.00. A dividend rate of 0.25% will be paid on the remaining balance in your account that exceeds $5,000.00.
3 Lowell Firefighters Credit Union – Savings Club for Kids Disclosure:
APY will be paid on the balance of the account up to the first $500.00. A dividend rate of 0.25% will be paid on the remaining balance in your account that exceeds $500.00.
Eligible Funds: Deposits must originate from an external financial institution and represent new funds to LFFCU.
Ineligible Funds: Funds already on deposit at LFFCU—including funds in any share, draft, money market, or certificate account—are not eligible for these promotional rates.
Minimum Deposit: As specified per term on the current rate sheet.
Verification: LFFCU reserves the right to verify the source of funds before applying the new money rate.
Other Terms: Standard certificate terms and conditions apply, including early withdrawal penalties and renewal at the standard rate in effect at maturity.
Members may transfer eligible external funds into their LFFCU account prior to opening a “New Money” certificate."