{"id":622,"date":"2022-12-12T07:33:06","date_gmt":"2022-12-12T23:33:56","guid":{"rendered":"https:\/\/www.lcfcu.org\/wph\/workarea\/accounts-services\/savings-2-3-2-3\/"},"modified":"2023-06-14T15:50:32","modified_gmt":"2023-06-14T15:50:32","slug":"cd-special","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/accounts-services\/savings-2\/cd-special\/","title":{"rendered":"Share Certificate Special"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Take Advantage of the Best Certificate Rates in Years<\/h2>\n\n\n\n<p>With rates as high as 4.89% APY*, it&#8217;s easy to choose the certificate that fits best with your financial plans. <\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms-2\/' target='_self' rel='noopener noreferrer'>Open Your Account<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/rates\/rates\/' target='_self' rel='noopener noreferrer'>Rates<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/wph\/workarea\/about-us\/our-story\/the-story\/' target='_self' rel='noopener noreferrer'>Return to The Story eNewsletter<\/a>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\"><strong><br>Don&#8217;t Miss Out on Higher Earnings<\/strong><\/h2>\n\n\n\n<p>Save on your terms with our certificate options. Take advantage of our high 12, 18 and 24-month certificate rates. <\/p>\n\n\n\n<p>An IRA Certificate of Deposit helps grow your savings with a minimum balance of $1,000 and terms up to five years. As always, IRA accounts are insured separately up to $250,000 per account, in addition to the NCUA insurance available on other LCFCU accounts.<\/p>\n\n\n\n<p>Our Certificate of Deposit offers a flexible savings option with a low $500 minimum deposit, and can be used as security for a LCFCU loan.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>High-interest rate compounded quarterly for all CDs six months or longer<\/li>\n\n\n\n<li>Certificate terms less than six months will pay at maturity<\/li>\n\n\n\n<li>Rates are guaranteed for the term of the certificate<\/li>\n\n\n\n<li>Penalty for early withdrawal<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Maximize Extra Earnings<\/h2>\n\n\n\n<p>Our Monthly Income Certificate is a flexible, high-yield savings option that pays dividends monthly. This 24 month term certificate can be opened with a $5,000 minimum deposit. Dividends, earned monthly, are automatically transferred or mailed.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/applications-forms-disclosures\/applications-forms-2\/\">Open Yours<\/a><\/p>\n\n\n\t\t\t<div class=\"band band\">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap-callout-box\">\n\t\t\t\t\t\t<div class=\"feature\">\n\t\t\t\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<h2 class=\"wp-block-heading\">What Members Are Saying<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><em>I consolidated all my credit cards and it&#8217;s saving me over $450 a month in payments with a much lower rate. And, I&#8217;ll be able to pay it off faster too. I&#8217;m also putting $300 of that monthly savings right into my vacation fund. Thanks LCFCU!<\/em><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><em>F.C., member since 2008<\/em><\/h3>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">Featured Products and Services<\/h2>\n\n\n\t\t\t<div class=\"band \">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap feature-wrap-standard-custom-block row row-3\">\n\t\t\t\t\t\t\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageput-your-401k-to-workwith-bridgeloans-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>A Plan to Fit Your Own<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>We\u2019re proud to help you plan for your future with the right IRA savings option.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/accounts-services\/savings-2\/iras\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageget-the-money-you-need-1.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageget-the-money-you-need-1.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageget-the-money-you-need-1-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimageget-the-money-you-need-1-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Get More From Your Savings<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Plan for your future with our tiered Money Market.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/accounts-services\/savings-2\/money-market\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-image-inner cover-image img-1\">\n\t\t\t\t\t\t\t\t\t\t<img src='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts.jpg' srcset='https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts.jpg 400w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts-300x300.jpg 300w, https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2023\/01\/portraitimagesave-with-loan-discounts-150x150.jpg 150w' sizes='(max-width: 400px) 100vw, 400px' \/>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-image-->\n\t\t\t\t\t\t\t\t\t\t      \t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2>Maximize Your Savings<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Choose the savings term that works best with your financial plans.&nbsp;<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/accounts-services\/savings-2\/certificate-of-deposit-2\/\" target=\"_self\">Read More<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">Let&#8217;s Do the Math<\/h2>\n\n\n\t\t\t<div class=\"band  \">\n\t\t\t\t<div class=\"zone\">\n\t\t\t\t\t<div class=\"feature-wrap column feature-wrap-standard-custom-block row row-1 icons\">\n\t\t\t\t\t\t\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-content-image-inner\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"fa fa fa-calendar-check\" aria-label=\"icon\" role=\"img\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-content-image-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Set Your Savings Goal<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>See how long it will take to save for what you want and need.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/calculators?CALCULATORID=IC10u0026TEMPLATE_ID=WWW.DIGITALINSIGHTLEGACY.COM_2\" target=\"_self\">Calculate<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\n\t\t\t<div class=\"feature \">\n\t\t\t\t<div class=\"feature-padding\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content\">\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"feature-content-image-inner\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"fa fa fa-chart-pie\" aria-label=\"icon\" role=\"img\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div><!--feature-content-image-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Plan For Retirement<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-content-wysiwyg\">\n\t\t\t\t\t\t\t\t\t\t\n\n<p>Find out how much money you will need to save for your retirement.<\/p>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-text-->\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-cta\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/calculators?CALCULATORID=RC09u0026TEMPLATE_ID=WWW.DIGITALINSIGHTLEGACY.COM_2\" target=\"_self\">Calculate<span class=\"fas fa-angle-right\" aria-label=\"caret\" role=\"img\"><\/span><\/a>\n\t\t\t\t\t\t\t<\/div><!--feature-cta-->\n\t\t\t\t\t\t\t\t\t\t\t<\/div><!--feature-content-->\n\t\t\t\t<\/div><!--feature-padding-->\n\t\t\t<\/div><!--feature-->\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\n\n<p><\/p>\n\n\n\t\t\t<div class=\"disclaimer \">\n\t\t\t\t\n\n<p>*Rates effective January 26, 2023 and are subject to change without notice. APR= Annual Percentage Rate; APY = Annual Percentage Yield.<\/p>\n\n\t\t\t<\/div>\n\t\t\t","protected":false},"excerpt":{"rendered":"Take Advantage of the Best Certificate Rates in Years With rates as high as 4.89% APY*, it&#8217;s easy to choose the certificate that fits best with your financial plans. Don&#8217;t Miss Out on Higher Earnings Save on your terms with our certificate options. Take advantage of our high 12, 18 and 24-month certificate rates. An [&hellip;]","protected":false},"author":3,"featured_media":1457,"parent":22,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_subtitle":[],"attr_date":[],"attr_excerpt":[],"attr_secondary_image":[],"footnotes":""},"class_list":["post-622","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Share Certificate Special - Library Of Congress FCU<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Share Certificate Special - Library Of Congress FCU\" \/>\n<meta property=\"og:description\" content=\"Take Advantage of the Best Certificate Rates in Years With rates as high as 4.89% APY*, it&#8217;s easy to choose the certificate that fits best with your financial plans. Don&#8217;t Miss Out on Higher Earnings Save on your terms with our certificate options. Take advantage of our high 12, 18 and 24-month certificate rates. 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