Savings
Whether you are setting aside funds for a rainy day or building a nest egg, opening a savings account is your first step to member-ownership in LA DOTD Federal Credit Union. Click here (PDF) for a membership application. (To view the membership application, you will need Adobe Reader. Click below to download the latest version of Adobe Reader.)

• $5 minimum balance requirement.
• Competitive rates.
• Dividends paid monthly.
• Unlimited withdrawals.
• Free DOT-COM online banking.
• Quarterly statements.

e-Power Checking Just Got A Whole Lot Better!
Earn 5.25% APY* on balances up to $25,000 and ATM fee refunds!

All you have to do is meet these three simple monthly qualifiers to earn the power rates and ATM fee refunds:

1. Use your debit card for purchases 10 times.
2. Have one direct deposit, automatic draft or ACH debit.
3. Receive e-Statements.

All e-Power accounts will automatically be enrolled in this new program so you don't have to sign up or transfer accounts.  If you don't have an e-Power account; apply at any branch, call us at 800.436.8328, or download an application to complete.

If you are unable to meet all three of the qualifiers for the month during the qualification cycle; DON'T WORRY, your account will still enjoy a free checking account with free online banking, free online bill pay, and 0.25% APY on your checking account balance!  However, you will not receive power rates or ATM fee refunds for that time period.  An email will be sent to you at the end of each statement cycle letting you know if you did or did not qualify.  Each month the qualification cycle starts over and you will have another opportunity to meet the qualifiers and receive the rewards! If you need more information, try reviewing our frequently asked questions sheet.

By doing the three things we ask of you, e-Power can offer you significant rewards:
5.25% APY on account balances between one cent and $25,000.  Balances over $25,000 earn 1.01% APY. Refunds on ATM fees up to $25 per cycle on checking accounts.

Plus all e-Power accounts have:

• No monthly service charge and no minimum balance requirement.
• Unlimited check writing and a free Visa Check Card.  
• Earn Rewards2U points on signature purchases when you use your Visa check card. You will earn 1 point for every $2 that you spend.  The Rewards2U Redemption Center phone number is 1-888-279-3728 or online access is available! To transfer Rewards2U points to family members click here for printable form.  To combine card points, click here for printable form.
• Surcharge-free ATM network through Dolphin ATM Alliance.
• Free DOT-COM online banking and Free bill pay.
• Automatic overdraft transfer, $2.50 for each occurrence, from your savings account to your e-Power account when there are not enough funds to cover a check.
• Reorder checks online.
• Detailed monthly statements.
• Verified by Visa protection. To sign up you are asked for the last four digits of your checking account number.  This is not your account number. If your checking account is an S2 the last four digits will be 0200, for S7 checking accounts the last four will be 0700, for S2.1 checking accounts the last four will be 0201.

*Annual Percentage Yield (APY) is paid on balances each statement cycle that the minimum qualifications are met. Rates as of September 4, 2008. We may change the interest rate & APY at any time after the account is opened. Personal accounts only. The qualification cycle is the last business day of the prior month through the second to last business day of the current month. Must be current on all loans.

Performance Checking 
Everyone wants to earn more with their money. That's why we've created our Performance Checking account, a special checking account just for those members who maintain high balances in their checking accounts.

• No monthly service charge.
• $2,500 minimum balance.
• Unlimited check writing and free Visa Check Card
• Competitive rates. 
• Earn Rewards2U points on signature purchases when you use your Visa check card.   You will earn 1 point for every $2 that you spend.
• Surcharge-free ATM network through Dolphin ATM Alliance.
• Free DOT-COM online banking and free bill pay.
• Automatic overdraft transfer, $2.50 for each occurrence, from your savings account to your e-Power account when there are not enough funds to cover a check.
• Reorder checks online.
• Detailed monthly statements.   
• Verified by Visa protection. To sign up you are asked for the last four digits of your checking account number.  This is not your account number. If your checking account is an S2 the last four digits will be 0200, for S7 checking accounts the last four will be 0700, for S2.1 checking accounts the last four will be 0201

Premier Lifestyles Checking
The perfect checking account for our members age 50 plus, it offers all the wonderful benefits of our e-Power account, plus a little lagniappe. Plus signing up for our Premier Lifestyles Checking is easy; we’ll automatically enroll you on your birthday!

Gold Level Premier Lifestyle members (combined share balances from $5,001 to $9,999, excluding checking account) receive discounted or waived fees on:

Platinum Level Premier Lifestyle members (combined share balances of $10,000 and above, excluding checking account) receive the above discounted or waived fees plus:

• One Free box of checks per year
• 10 basis point bonus dividend on six,12, 24 and 36 month share certificates
• 10 basis point discount on secured consumer loans

Share Certificates
Our Share Certificates are a great way to save while earning higher dividends on your money. Because everyone’s savings needs are different we offer a wide variety of share certificates so you can choose the one that is right for you. If you’d like to bump up your dividend rate if interest rates rise, we can do that, too! For some Share Certificates, we’ve even lowered or eliminated our early maturity penalties after a certain time period, so you can access your money when you need to. For more information on our Share Certificate program, email us or call (800) 436-8328.

• $500 minimum deposit.
• Flexible terms on 6, 12, 24 and 36 month Share Certificates. 
• Competitive rates updated weekly.
• Dividends paid monthly and on the date of maturity.
• Optional automatic withdrawal (penalty for early withdrawal).

IRA's - Individual Retirement Accounts
Individual Retirement Accounts (IRAs) help you save for your future while taking advantage of some of the government’s most generous tax breaks. Earnings are tax-deferred when Federal regulations are met, and in some cases, contributions can be tax deductible. We offer Traditional, Roth and Coverdell Educational IRA share accounts and certificates.

• Competitive rates for Traditional, Roth and Coverdell Educational IRA share accounts.
• Dividends paid monthly.
• Competitive rates for Traditional, Roth and Coverdell Educational IRA certificates
• Minimum deposit of $500.
• Choice of 1 to 3 year terms.
• Dividends paid monthly and on the date of maturity.

All deposits are insured up to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.