Savings Accounts

Our investment in you.

savingsFUN FACT: Saving for a rainy day? You won’t have many if you’re in Long Beach, which averages 345 days of sunshine per year!

With your minimum initial deposit, your investment starts paying off immediately. That’s because opening a Savings Account is the first step to becoming a LBCEFCU member.

You could say the buck starts here!

With our tiered dividend rates, you’re rewarded with greater earnings on larger deposits while maintaining 24/7 worldwide access to your available funds with ATMs, Home Banking and Audio Response.

Minimum deposit $5.00
Minimum to earn dividend $50.01
Tiered rates Yes
Dividends paid Monthly
Worldwide ATM access Yes
Home Banking access Yes
Audio Response access Yes
Federally insured deposits* Yes

*For the safety of your deposits at LBCEFCU, your accounts are federally insured to at least $250,000 and are backed by the full faith and credit of the US government.


Account Balance Range Dividend Rate Annual Percentage Yield
$0.00 - $50.00 None N/A
$50.01 - $10,000.00 0.80% 0.80%
$10,000.01 - $25,000.00 0.90% 0.90%
$25000.01 - $50,000.00 1.00% 1.00%
$50,000.01 - $100,000.00 1.10% 1.10%
$100,000.01 - up 1.20% 1.20%

Dividend Rates are established by the Board of Directors and are subject to periodic change, based on current economic conditions and credit union earnings.

(APY) - Annual Percentage Yield assumes reinvestment of principal and dividends on a monthly basis for one year at the stated dividend rate. Dividends are calculated and paid at the end of each month on all accounts with a balance in excess of the $50.00 full share amount, utilizing the ACTUAL DAILY BALANCE, and a 365- DAY YEAR (366 days in a leap year). The credit union calculates dividends on the full balance in the account each day at the stated dividend rate that corresponds to the applicable share balance range.

(APYE) - Annual Percentage Yield Earned is calculated at the end of each month (Dividend Period), utilizing the AVERAGE DAILY BALANCE and a 365-DAY YEAR (366 days in a leap year). The (APYE) is printed on your periodic Statement as a percentage and may differ from the (APY).

Funds earn dividends from the day of deposit until day of withdrawal. An account closed during the month will earn no dividend for the month. If you have any questions or need any additional information, please contact the credit union office.

Long Beach
City Employees
Federal Credit Union

Routing # 322276839

2801 Temple Ave.
Signal Hill, CA 90755
(562) 595-4725
(800) 595-4725 CA Only