Get Started Here call 800-522-2748 or email member service
IRA PlusThinking about your future? So are we. We want you to have the the best financial well-being now and later. That's why we're offering the IRA Plus account to members with our checking accounts. Your IRA Plus account can be either Traditional or Roth — it's your choice. With no minimum balance and no minimum deposit requirements, you can start small and make contributions in any amount at any time (up to current year contribution limits). There's no maintenance fee, and you can make things even easier by using payroll deductions to make direct deposits to your La Cap IRA.


Open an Account


*APY = Annual Percentage Yield. The Annual Percentage Yield will not change during the term of the account as long as the associated La Cap checking account remains open. If the associated checking account is closed, IRA Plus rate will revert to current La Cap IRA floating rates.  IRA Plus Account is a term share (savings) account. The APY is available on new contributions made to your account this year. The maturity date is December 31, of the year the contribution was made. No minimum balance is required to open an IRA Plus account or to obtain the disclosed APY. IRA rollovers from another financial institution or retirement plan do not qualify for this special IRA Plus rate. Dividends earned are posted and compounded monthly. Applicable fees and conditions could reduce the earnings on your account. Substantial penalties for early withdrawal.