Home Refinancing

Save with a Great New Rate from La Cap!

Learn More

Happy Home. Happy Life.

Superior service. 
Select rates. All under one roof.

Mortgage Center

Refer a Friend

Earn up to $500 when your friends open a La Cap account.1

Learn More

Pick a card. Any card.

Like low rates? Prefer points for purchases? It's your call.

Learn More

  • Happy Home. Happy Life.

    Superior service. 
    Select rates. All under one roof.

    Mortgage Center

  • Refer a Friend

    Earn up to $500 when your friends open a La Cap account.1

    Learn More

  • Pick a card. Any card.

    Like low rates? Prefer points for purchases? It's your call.

    Learn More

La Cap Mortgages

Take it to the House

Be absolutely sure your dream home is within reach. Complete our FREE mortgage pre-approval application, and a Mortgage Loan Originator will follow up to answer your questions

Apply Now

Less than 20% down may require private mortgage insurance (PMI).

{{ homePriceAdjusted | currency }}

Loan Amount

Like a Bank. But Better.

Improving the financial well-being of our members

Learn How

Be Informed. Get Involved.

A man and woman looking at a computer
June 09, 2021

How Does Home Refinancing Work?

When you’re thinking about a refinance, you no longer have to worry about whether or not you can get the home, because you live there!
Read Article
Car driving down a beach road
May 24, 2021

5 Ways to Enjoy Your Dream Vacation Without Breaking the Bank

If you’ve got the travel bug, don’t worry – a vacation away doesn’t have to break the bank! Check out these some suggestions for frugal travel.
Read Article
home curb appeal blog photo showing a nice southern home porch
May 17, 2021

13 Curb Appeal Renovation Ideas for Your Home

Every neighborhood has a house that everyone on the block envies. Its attractive facade and landscaping calls to your eye and make you wonder what it’s like to live there. Your house could be that house with a few key updates.
Read Article
View All Articles

What Our Members Are Saying

  • "I have been with La Cap for 25 years, and I plan on another 25 years! Going to La Cap is like visiting family!"

    -J. Knight, Member

  • "All representatives at the O’Neal branch are very professional and knowledgeable, and then you add Ms. Alicia’s customer service excellence for an unbelievable pleasant experience."

    -Carlinton J., Member

  • "During this hard time with COVID-19, I was still able to do everything without getting out!! Thank you very much."

    -J. Bordelon, Member

  • Friendly, personal service. Felt like the old local community service ... not the big bank services I experienced to begin with.

    -C. Currier, Member

  • I've been with La Cap for over 12 years and still get great service. Wouldn't change my banking for anyone.

    -A. Scott, Member