Savings Products

The Lakota Federal Credit Union believes the foundation to achieving one’s financial goals is saving.
We offer two products to help our members manage their savings.


Regular Share Account

The Regular Share Account is a basic savings account and can be opened with as little as a $5.00 deposit. Interest is earned monthly.

Any Regular Share Account that has a minimum balance of $5.00 will begin accruing dividends daily at a rate of 0.20% APY on the balance. The dividends will be paid out monthly.


3-6-9 Share Certificate

$100 – $25,000

We are now offering a short-term certificate of deposit, also known as the 3-6-9 Share Certificate. We developed this unique product to support our members in gaining experience with new financial tools. A low initial minimum deposit of $100 is required, and terms range from 3-9 months.

Find Current Rates


Share Certificate

$250 – $250,000

The Share Certificate, or certificate of deposit, is a savings product designed to help our members meet their longer-term savings goals. An initial minimum deposit of $250 is required. Interest earned is paid upon maturity of the deposit, which could be a term of 12-36 months.

Find Current Rates


Wondering if a Share Certificate is right for you?

Learn more about certificates of deposit. Watch this video!