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Loc rates: up to 4.35% APY

credit union · NCUA CHARTER 61404 · www.loccreditunion.com/

Savings

Product	Term / tier	Rate	Basis	Checked	History	Change
Christmas Club Account		0.05%	APY	checked 1 Nov 2026		since 2026-11-01
Regular Share		0.05%	APY	checked 1 Nov 2026		since 2026-11-01
Vacation Club Account		0.05%	APY	checked 1 Nov 2026		since 2026-11-01

CDs

Product	Term / tier	Rate	Basis	Checked	History	Change
3 Month Cert / IRA	3 months	3.00%	APY	checked 1 Nov 2026		since 2026-11-01
6 Month Cert / IRA	6 months	3.15%	APY	checked 1 Nov 2026		since 2026-11-01
12 Month Cert / IRA	1 year	3.25%	APY	checked 1 Nov 2026		since 2026-11-01
12 Month Heroes Cert / IRA	1 year	3.35%	APY	checked 1 Nov 2026		since 2026-11-01
15 Month Cert / IRA	15 months	4.00%	APY	checked 1 Nov 2026		since 2026-11-01
15 Month Heroes Cert / IRA	15 months	4.10%	APY	checked 1 Nov 2026		since 2026-11-01
18 Month Cert / IRA	18 months	3.25%	APY	checked 1 Nov 2026		since 2026-11-01
18 Month Heroes Cert / IRA	18 months	3.35%	APY	checked 1 Nov 2026		since 2026-11-01
22 Month Cert / IRA	22 months	4.25%	APY	checked 1 Nov 2026		since 2026-11-01
22 Month Heroes Cert / IRA	22 months	4.35%	APY	checked 1 Nov 2026		since 2026-11-01
24 Month Cert / IRA	2 years	3.30%	APY	checked 1 Nov 2026		since 2026-11-01
24 Month Heroes Cert / IRA	2 years	3.40%	APY	checked 1 Nov 2026		since 2026-11-01
36 Month Cert / IRA	3 years	3.35%	APY	checked 1 Nov 2026		since 2026-11-01
36 Month Heroes Cert / IRA	3 years	3.45%	APY	checked 1 Nov 2026		since 2026-11-01
48 Month Cert / IRA	4 years	3.45%	APY	checked 1 Nov 2026		since 2026-11-01
48 Month Heroes Cert / IRA	4 years	3.55%	APY	checked 1 Nov 2026		since 2026-11-01
60 Month Cert / IRA	5 years	3.55%	APY	checked 1 Nov 2026		since 2026-11-01
60 Month Heroes Cert / IRA	5 years	3.65%	APY	checked 1 Nov 2026		since 2026-11-01

0 rates hidden because they were not re-checked in over 3 days. A row not re-checked for over 1 day is marked stale and never heads a ranking.

Sources and evidence

Page	Last captured	Last result	Digest
www.loccreditunion.com/certificates	2026-11-02 04:34 UTC	ok	39413b337c32
www.loccreditunion.com/all-rates	2026-11-02 04:34 UTC	ok	64c774648f17