Rates

Shares

Account Type	APY*	Minimum Opening Balance	Minimum Balance to Earn APY*
Prime Share	0.05%	$5	$25
Share Manager	0.05%	None	$0.01

Specialty Shares

Account Type	APY*	Minimum Opening Balance	Minimum Balance to Earn APY*
Holiday Share	0.05%	None	$0.01
Summer Bridge	0.05%	None	$0.01

Money Market

Balance Tier	APY*	Minimum Balance to Earn APY*
$1,000 - $9,999.99	0.25%	$1,000
$10,000 - $24,999.99	0.50%	$10,000
$25,000 - $49,999.99	0.75%	$25,000
$50,000 - $99,999.99	1.00%	$50,000
$100,000 - $249,999.99	1.25%	$100,000
$250,000 and over	1.50%	$250,000

Certificate Rates

Type/Term	APY*	Minimum Opening Balance	Minimum Balance to Earn APY*
6-Month	3.75%	$500	$500
12-Month	4.25%	$500	$500
12-Month LifeStage1	4.50%	$500	$500
18-Month	3.50%	$500	$500
18-Month Special3	4.50%	$500	$500
24-Month	3.50%	$500	$500
36-Month2	3.00%	$500	$500
48-Month	2.50%	$500	$500
60-Month2	2.75%	$500	$500

IRA Savings

Account Type	APY*	Minimum Opening Balance	Minimum Balance to Earn APY*
Traditional	0.05%	None	$0.01
Roth	0.05%	None	$0.01

IRA Certificate Rates

Term	APY*	Minimum Opening Balance	Minimum Balance to Earn APY*
12-Month	4.05%	$2,000	$2,000
18-Month	3.55%	$2,000	$2,000
24-Month	3.55%	$2,000	$2,000
30-Month	3.05%	$2,000	$2,000
36-Month	3.05%	$2,000	$2,000
60-Month	2.80%	$2,000	$2,000

Rates as of September 23, 2026. 

*APY = Annual Percentage Yield. APYs for share and money market accounts are variable and may change monthly. Certificate APYs, including IRA Certificate APYs, are fixed for the term of the certificate. Dividends are calculated and credited monthly using the Daily Balance Method. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Because dividends are paid monthly, posted rates are anticipated rates for the month. Refer to the Member Account Agreement for additional details. All rates are subject to change without notice.

All dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period and are not guaranteed. Each member account is insured to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government. For more information about rates and fees for these accounts, contact your local office or call (480) 967-9475.

​¹ For 12-Month LifeStage Account Certificate: Available to qualifying members ages 0–23. The certificate earns an additional 0.25% APY over the regular 12-Month Certificate rate, up to a maximum balance of $2,000.

² For 36-Month and 60-Month Certificates: The account holder may choose a fixed-rate Certificate or a Step-Up Certificate. With a Step-Up Certificate, the account holder may increase the certificate rate one time to the current rate for the remainder of the certificate term.

³ For 18-Month Special Certificate: To receive the limited-time promotional APY rate, the account must be opened with funds not currently held with Landings Credit Union (i.e., New Money). Funds from a Landings Certificate maturing during the promotional period may be eligible. See Credit Union for details. Promotional rate cannot be combined with the additional 0.25% APY LifeStage benefit. Offer not available to financial institutions or institutional investors. At maturity, the certificate will renew at the current Landings rate for the same term. Limited-time offer; may end at any time without notice. Additional terms and conditions may apply.  

For Specialty Shares: A penalty may be imposed for early withdrawal. Fees could reduce earnings.

For all Certificates: A penalty may be imposed for early withdrawal. Fees could reduce earnings. See back of the Certificate for terms and conditions.

For IRA Accounts and IRA Certificates: IRA accounts are insured separately up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government.