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All Access Advantage


Earn 4.25% APY
With La Cap's All Access Advantage checking account, you have the chance to earn dividends as you make purchases.* With no monthly fees and no minimum balance, it's a great way to make the most of your checking account. It's just our way of showing you that we care about giving you the best rates and services possible.

  • No minimum balance required
  • No monthly service fee
  • Earns higher dividends on balances up to $5,000.00*
  • ATM Fee Refunds when you sign up for eStatements**
  • Elite Saver† account option allows you to earn higher dividends than Regular Savings
  • Opening deposit - $50.00
  • FREE 24/7 Access Services

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* APY = Annual Percentage Yield. La Cap Checking (Share draft) Accounts are variable rate accounts. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends are posted and compounded monthly. No minimum balance required to maintain the account. Applicable fees and conditions could reduce the earnings on your account. Qualification to earn dividends: - 25 or more posted non-ATM debit card transactions per month: - 4.25% APY on balances up to but not exceeding $5,000 - .15% APY on balances exceeding $5,000. If qualification stated is not met: - .15% APY on entire balance. Must meet criteria for opening a checking account.

**Foreign ATM fees are charged when accessing a La Cap account through another financial institution's ATM. By signing up for eStatements on your All Access Advantage checking account, you can receive surcharge refunds of up to $25 per month on Foreign ATM fees. La Cap reserves the right to discontinue this feature at a future date.

†The Elite Saver account is a savings account that pays a higher interest rate than a regular share account.  This account is available to members with All Access Advantage checking accounts.  You are not required to open an Elite Saver account if you have an All Access Advantage account.  You must maintain a minimum daily balance of $5,000 in your Elite Saver account.  If during any month your balance falls below the required minimum daily balance, your Elite Saver account will be subject to a low balance fee of $5.00. 

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All Access Advantage Checking
You could be earning 4.25% APY* on the money in your checking account.