Savings Accounts

Above Average Interest 

 

Even though we only have one LIRFCU location, you can visit over 5,600 different credit union branches around the country and transact on your account. LIRFCU is also connected to a network of nearly 30,000 surcharge free ATMs.

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No Maintenance or Service Fees

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Average Rates

The following rates are the APY (Annual Percentage Yield) for Regular Savings Accounts, with at least a $1,000.00 balance, taken from the NCUA June 2017 Average Credit Union and Bank Rates Report. LIRFCU currently has two savings rates. The first rate of 0.40% APY applies to all accounts with a minimum deposit of $100.00. The second rate of 0.50% APY applies to accounts with a minimum deposit of $100,000.00.

Frequently Asked Questions:

How do I Open a Savings Account?
How do I Open a Savings Account?

When you become a member of the credit union, you are opening up a savings account. You can start your membership by submitting a membership application, along with a copy of your drivers license and an initial deposit. 

Click Here to see more about becoming a member.

If you are already a member of the credit union, you already have a savings account with us! You can choose to open a separate account if you would like to. Simply follow the same application process listed above. 

 

Can I have more than one Savings Account?
Can I have more than one Savings Account?

Yes. You can choose to open a separate account by submitting a new membership application. Or you can add a sub-account to your existing account. 

Some of our members wish to have separate accounts rather than sub-accounts. This helps them choose specific joint owners, or beneficiaries for those separate accounts. 

Some of our members find that having sub-accounts is easier to manage, since the accounts all fall under one membership, or member number. 

We are happy to help you save, in whatever way is best for you!

Are my deposits insured?
Are my deposits insured?

Yes. Your funds are insured through the NCUA (National Credit Union Administration). This administration insures your funds similar to how the FDIC insures funds deposited at a Bank. Individual Owners are insured up to $250,000.00. Having Joint Owners and/or beneficiaries on your account increases how much of your funds are insured. 

For more information contact us, or visit www.NCUA.gov

 

Other Questions?

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Savings Accounts

 

Your membership with LIRFCU begins with a savings account. In fact, your savings account makes you an owner of the credit union!

Our savings accounts have above average interest, and costs you nothing!

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Savings

Checking Accounts

In addition to have a savings account with the credit union, you can choose to open a checking account. 

There is no minimum balance and there are no service fees. Just easier access to your deposits.

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Checking

Debit Cards

When you have a checking account, you can choose to be issued a Debt Card associated with the account.

This will give you access to our Nationwide network of surcharge-free ATMs, and access to your fund through Debit (PIN-Based) or Credit (Signature-Based) transactions.

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Debit Cards

Online Banking

Your account is just one touch away with our Online Banking Access. 

View you account, request transfers, view statements and more.

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Online Banking

ATM Access

LIRFCU is connected to a network of nearly 30,000 surcharge free ATMs.

 

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ATM Access

Shared Branches

Even though we only have one LIRFCU location, you can visit over 5,600 different credit union branches around the country and transact on your account.

Find a Branch

Shared Branches