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Checking, Savings, and IRAs

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Accounts

Whether you are just starting out, in the military, running your own business or enjoying your retirement, we have an account that will meet your needs.

ULTIMATE CHECKING

Checking with Ultimate Rewards! Bonus dividends up to 2.75% APY* on the average daily balance in your checking account. Earn rewards on debit card purchases with UChoose Rewards or our exclusive Cash for College. Receive automatic discounts on new loans with Loyalty Rewards.

Earn an Ultimate rate by meeting these simple monthly requirements:

  • Make 12 or more $5.00 minimum debit card purchases (ATM’s excluded).
  • Have at least one direct deposit.
  • Log in and use online banking.
  • Receive e-statements.

Ultimate Checking Account Benefits:

Already a Member? Add an Ultimate Checking Account.

*APY states as Annual Percentage Yield, is variable and can change without notice, fees may reduce earnings on the account.  
**With approved credit.


FREEDOM CHECKING

We love our military and first responder members and honor them by offering exclusive benefits with the Freedom Account.* Tiered dividends as high as 3.00% APY** on the average daily balance in your checking account. Earn rewards on debit card purchases with UChoose Rewards or our exclusive Cash for College. Receive automatic discounts on new loans with Loyalty Rewards.

Freedom Account Benefits:

  • Thank you dividends 
  • Free Safe Deposit box.
  • One free cashier’s check per month.
  • One overdraft forgiveness per month.
  • Loyalty Rewards – Get rewarded for doing more!
  • E-Services – Freedom to manage personal finances at your convenience.
  • Overdraft Protection*** – Save money on nonsufficient funds fees and have access to funds in an emergency.
  • Shared ATM Network – Surcharge-free access to your money, almost anywhere at more than 30,000 locations worldwide.
  • UChoose Rewards  Earn 1 point for every $2 spent. Redeemable for travel, entertainment, merchandise and millions of other exciting options.
  • Cash for College Rewards - Earn free money toward anyone’s higher education.
  • Order Checks Online
  • No monthly service fees.

Laramie Plains Federal Credit Union wants to make a difference in the lives of those protecting our freedom. We send quarterly care packages to our members that are deployed. Just give us your current military shipping address.

*Available to our heroes serving or have served in the Armed Forces, Fire and Rescue, Law Enforcement or EMS. 
**APY states as Annual Percentage Yield, is variable and can change without notice, fees may reduce earnings on the account.  
***With approved credit.


HEALTH SAVINGS ACCOUNT

A Health Savings Account is a great way to save for your health card deductible or expenses while taking advantage of tax savings.

HSA Benefits:

  • Dividends 
  • E-Services – Freedom to manage personal finances at your convenience.
  • Tax-free distributions (if qualified)
  • Tax-deferred earnings
  • Tax deduction
  • Yours wherever you go
  • Balance carried over from year to year
  • Control of contributions and investments
  • Additional source of retirement income
  • Lower insurance premiums of HDHP

Minimum average daily balance is $100.


FRESH START CHECKING

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BUSINESS CHECKING

FREE business checking that lets you earn rewards on debit card purchases with UChoose Rewards or our exclusive Cash for College Rewards. Receive automatic discounts on new loans with Loyalty Rewards.

Business Checking Accounts benefits:

  • Loyalty Rewards – Get rewarded for doing more!
  • E-Services – Freedom to manage personal finances at your convenience.
  • Overdraft Protection*  – Save money on nonsufficient funds fees and have access to funds in an emergency.
  • Shared ATM Network – Surcharge-free access to your money, almost anywhere at more than 30,000 locations worldwide.
  • UChoose Rewards  – Earn 1 point for every $2 spent. Redeemable for travel, entertainment, merchandise and millions of other exciting options.
  • Cash for College Rewards - Earn free money toward anyone’s higher education.
  • Order Checks Online
  • No monthly service fees.

*With approved credit.


PRIMARY SAVINGS

At Laramie Plains Federal Credit Union, we know that achieving financial security begins with saving. This basic Savings Account is required on all accounts for membership. The minimum $5.00 balance is your ownership share in Laramie Plains Federal Credit Union.

Savings Account Benefits:


YOUTH SAVINGS

Laramie Plains Federal Credit Union knows the importance of fostering responsible money management, good saving habits and smart shopping skills to kids and young adults.

This account (age up to 12) is designed to introduce your little one to the concepts of saving and the value of money. Benefits include:

This account (age 13 -17) is designed to help your teen learn to spend and manage their money wisely. Benefits include:

This account (age 18-22) is designed for the young adult who’s heading out into the world of work or higher education. Benefits include:

Members under 18 must have joint account with an adult. Debit card, Visa® Credit Card and Auto Loan eligibility may vary based on credit. Some restrictions may apply.


CASH FOR COLLEGE REWARDS

Help pay for college by simply using your debit or credit card. Earn Cash for College points every time you shop. It’s that easy! Register your debit card at UChooseRewards and complete the Cash for College Rewards Form. (Will need to build this form)

Points are converted quarterly to cash and placed in a Cash for College Savings Account. Use these funds for tuition, books and other school supplies at any technical, trade, community college or 4 year institution of higher learning.

You can add to these education funds throughout the year or automatically deposit from your Checking or Primary Savings account to your Cash for College Savings account insuring consistent savings all year long to pay for education expenses when the time comes.


MONEY MARKET

Take advantage of your higher balance with even better returns from our Money Market Account. Tiered rates of return mean the more money you have in the account, the higher the dividend. Deposit a minimum of $2,500 in a Money Market Account and still have access to cash when you need it.

Laramie Plains FCU Money Market Accounts have these benefits:

Already a Member? Add a Money Market Account.


CERTIFICATES OF DEPOSIT

Save for the long-run with Certificates of Deposit. Invest at a fixed rate over a stated period of time, earn higher dividend rates and enjoy the security of earning a guaranteed rate of return.

CD Rate Special through February 28, 2017. 

1.35% APY* - 2 year Bump-Up CD. 

Don't get stuck with a term CD rate. Bump-Up the rate when rates rise!

*2 year term certificate. Rate stated as Annual Perceentage Yield, subject to change at the request of account holder, only honored by credit union one time if rate at time of request exceeds above quoted dividend rate. Early withdrawal may result in penalty of dividends. $500 minimum balance. $500 required to open. Offer ends 2/28/2017.

Certificate of Deposit Benefits:


HOLIDAY SAVINGS

Save for holiday expenses with Holiday Savings Accounts. These accounts are tailored to fit your income, savings schedule and goals. Funds can be deposited throughout the year or can be automatically deposited from your Checking or Primary Savings account periodically, insuring consistent savings all year long so that every holiday season will be merry! Minimum opening deposit is $25. Funds are released the beginning of November.

Holiday Savings Account Benefits:

Already a Member? Add a Holiday Savings Account.


INDIVIDUAL RETIREMENT ACCOUNTS

There’s no better time to start preparing for the future than the present. Laramie Plains Federal Credit Union can help with Traditional or Roth IRA’s designed to provide you with the comfortable retirement you deserve.

Create less financial restraints for your child’s education with a Coverdell Education Savings Account. Dividends grow tax-free and funds are penalty-free if used for qualified education expenses.

Individual Retirement Account Benefits: