LAPFCU offers a selection of saving accounts so that you can choose the option that best suits your future plans.

Account TypeShare Savings AccountMerry MoneyVacation VaultYouth Accounts
Amount to open$51$5$5$5 (waived3)
WithdrawalsUnlimited2None; balance is transferred to checking or savings on Nov. 15None: balanced transferred to checking or savings on day member choosesUnlimited2
Term RequirementsNoneNoneNoneNone
OtherBegins your membershipSaves for holiday shoppingSaves for that dream vacationFor children and grandchildren (age 0-17) of LAPFCU members; requires member co-sign in some situations

Share Savings Account

This basic share savings account gives you a “share” in LAPFCU and makes you a member/owner. You can open yours—and start your membership—with a budget-friendly deposit of only $51.

Share Sub Accounts

Open a share sub account to save for a special goal—it earns the same benefits and dividend rate as your primary share account, and you can name it something fun (e.g., “Motorcycle Fund ” or “Wedding Account”) so that it appears as such on your statement.

Youth Accounts

Youth accounts can be set up for the children and grandchildren of LAPFCU members—we even waive the $5 opening deposit3. All of our youth accounts include educational elements so that young members receive dividends AND valuable financial education.

Vacation Vault Savings

Designed to help you reach vacation savings goals to take that dream trip, only one withdrawal is allowed during the deposit cycle.

Merry Money

This savings account is targeted at helping you manage your holiday expenses. Use it to save for holiday shopping and on November 15, the entire balance is transferred to either your checking or share savings account.

Why Choose LAPFCU Savings?


With options such as direct deposit, automatic funds transfer, overdraft protection, account alerts and e-Statements, you can easily stay on top of your finances.

Anytime, Anywhere Access

Enjoy nationwide access to tens of thousands of surcharge-free CO-OP® ATMs and thousands of shared branches. You can also access your accounts from the web or your mobile device, wherever you may be, thanks to PATROL Online Banking, or LAPFCU’s Mobile App, available free in the App Store or on Google Play. You can even pay bills on-the-go or set up regular automatic bill payments.

Stability and Security

LAPFCU deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government, and we provide excess deposit insurance up to an additional $250,000, through American Share Insurance (ASI).

Open an account and start enjoying the value and convenience of LAPFCU today!

1To avoid a monthly maintenance fee of $5.00, you must: maintain an average daily balance at least equal to $250.00 during each calendar month; or maintain two or more accounts under the same member number with LAPFCU during each calendar month – deposit or credit related; or not have reached your 24th birthday. 2In compliance with Federal Regulations, you may make up to 6 pre-authorized, automatic or telephone transfers per calendar month.3One opening deposit waiver per youth member.