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Smart Start Certificates

  • Designed to encourage thrift

  • Earns a higher dividend rate on every dollar in your Smart Start Certificate

  • Save a minimum of $25 per week (no maximum) through automated transfer or payroll direct deposit for a period of 12 months

  • At the end of 12 months you will have saved a minimum of $1,300

  • If you roll this balance into the same program for another 12 months, LCU will make your first deposit, up to $25

  • A fee of $25 per withdrawal will apply if a withdrawal occurs during the 12 month period

  • Make it a ROTH IRA Smart Start Certificate and receive the same benefits on your retirement funds. Ask for details

  • Amount of automated transfer can be changed at any time.

    Current Savings Rates


This credit union is federally insured by the National Credit Union Administration.
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