Term Share Certificate & IRAs

Enhance your dividends of being a LUSO member.

“Classic” Term Share Certificate

    Overview

    Save your funds on your terms with a guaranteed rate with LUSO’s term share CD.

    • $500 minimum deposit
    • 3-month to 5-year terms
    • Eligible for rate increases based on length of membership, direct deposit and overall deposit balances

    IRA Statement Share Account

      Overview

      Add to or begin your retirement plan today with this simple IRA savings account.

      • Make contributions at any time
      • Earn tax-advantaged dividends
      • Eligible for rate increases based on length of membership, direct deposit and overall deposit balances
      Compare your options
      TermTerm Share Minimum BalanceIRA Minimum BalanceDividend RateAPY1Relationship Criteria
      5-Month Relationship Special$500$5004.11%4.20%1Direct Deposit or a 10-Year+ Membership1
      12-Month Relationship Special$500$5004.35%4.45%2Direct Deposit or a 10-Year+ Membership2
      3 to 5 Months$500$5000.05%0.05%N/A
      6 Months$500$5000.10%0.10%N/A
      9 Months$500$5000.10%0.10%N/A
      12 Months$500$5000.15%0.15%N/A
      18 Months$500$5000.20%0.20%N/A
      20 Months$500$5000.20%0.20%N/A
      24 Months$500$5000.25%0.25%N/A
      30 Months$500$5000.30%0.30%N/A
      36 Months$500$5000.35%0.35%N/A
      48 Months$500$5000.40%0.40%N/A
      60 Months$500$5000.50%0.50%N/A

        1APY: Annual Percentage Yield. Relationship Special – 3.95% APY without direct deposit or 10-year plus membership.

        2APY: Annual Percentage Yield. Relationship Special – 4.20% APY without direct deposit or 10-year plus membership. This account is subject to early withdrawal penalties.

        Make the most of LUSO membership.

        Maximize the benefits of banking with LUSO Federal Credit Union.

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