Search
Close this search box.

SAVINGS

THAT WORK FOR YOU

individual

retirement accounts (ira)

Setting aside funds in an IRA can help give you the retirement you deserve. Start with just a $100 deposit.

  • Competitive dividends above standard savings rates
  • Traditional and Roth IRA options
  • Coverdell ESA available
  • One-time $5 setup fee
  • $9 annual maintenance fee
  • $5.00 closing fee
  • $6,500 contribution limit per year
  • Additional $1,000 “catch-up” contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
  • Funds insured up to $250,000 by ASI
  • $100 minimum deposit to open

loot saver
savings

Save like never before with Loot Saver! 

LOOT SAVER SAVINGS ACCOUNT

  • Earn 5% APY on balances up to $1,000 (APY = Annual Percentage Yield)
  • Balances over $1,000 earn our basic share dividend rate
  • The Loot Saver program is available to Latah Credit Union’s Consumer Members. Use your Latah Credit Union Debit Card to make everyday purchases (excluding ATM and cash advance transactions) and round up the change to the nearest whole dollar amount. The difference will automatically transfer from your checking account into your Loot Saver account at the end of each business day.
  • When you open a Loot Saver you authorize Latah Credit Union to add Loot Saver to your personal checking account, which has a Latah Credit Union Debit Card tied to it. This authorization will apply to all Latah Credit Union Debit Cards connected to the checking account. All rounded up funds will be transferred to the Loot Saver Account. You can enroll in this service at any Latah Credit Union branch, by calling your local branch during normal business hours, or you can send us a secure message while logged into your online banking.

SHARE SAVINGS ACCOUNT

Experience the tradition of banking locally. Our share savings account grants you membership to Latah CU.

SHARE SAVINGS ACCOUNT

  • Grants membership to Latah CU
  • Competitive dividends on balances of $25 or more
  • One-time opening fee of $5*
  • No monthly maintenance fees
  • No minimum balance requirements
  • Enjoy flexibility with enhanced access to funds, including direct check writing:
    • Unlimited in-person withdrawals or by mail
  • Free digital banking
  • Shared branching available
  • Funds insured up to $250,000 by ASI
  • $25 minimum deposit to open

SUPERSHARE ACCOUNT

With our tiered-rate account, your money is accessible when you need it — and working hard when you don’t.

SUPERSHARE ACCOUNT

  • Earn competitive, tiered rates on balances of $2,500 or more
  • Enjoy flexibility with enhanced access to funds:
    • Unlimited in-person withdrawals or by mail
    • 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $15 per transaction in excess thereafter
  • No monthly maintenance fees
  • Free digital banking
  • Shared branching available
  • Funds insured up to $250,000 by ASI
  • $2,500 minimum deposit to open

CERTIFICATE OF DEPOSITS (CDs)

CDs help you make the most of idle funds, earning a fixed rate for a set term — up to five years.

CDs

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • A wide range of terms available (from 6 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • Renews automatically upon maturity after 10-day grace period
  • Funds insured up to $250,000 by ASI
  • $500 minimum deposit to open

Share Savings/Idaho Medical Savings

Minimum Balance to Earn Dividends APY Dividend Rate
$25 0.10% 0.10%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

Loot Saver Savings Account

Minimum Balance to Earn Dividends APY Dividend Rate
$0.01 - $1,000 5.00% 4.889%
$1,000.01 & Above 0.10% 0.10%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

SuperShares Money Market

Minimum Balance to Earn Dividends Dividend Rate APY
$2,500 - $9,999.00 0.45% 0.451%
$10,000 - $24,999 0.50% 0.501%
$25,000 - $49,999 0.55% 0.552%
$50,000 - $99,999 0.60% 0.602%
$100,000+ 1.00% 1.005%

Certificate of Deposits (CDs)

Term Minimum Balance to Earn Dividends Dividend Rate APY
6 Months at Maturity** $500 4.50% 4.551%
12 Months at Maturity** $500 4.25% 4.25%
18 Months Quarterly*** $500 4.00% 4.060%
24 Months Quarterly*** $500 3.75% 3.803%
36 Months Quarterly*** $500 3.00% 3.034%
48 Months Quarterly*** $500 3.00% 3.034%
60 Months Quarterly*** $500 2.75% 2.778%

Quicklinks

Accessibility
THANK YOU FOR YOUR INTEREST IN JOINING OUR TEAM

To apply, please submit your resume to info@latahcu.coop