Align Your Budget to Life's Milestones

Life is full of transitions — starting a new job, getting married, buying a home, having children, funding education or preparing for retirement. Each phase comes with new financial priorities, so being mindful of how we save, spend, and plan as we move from one phase to another is essential.

Being able to pivot your money management style not only ensures you can meet new expenses — it also lets you take advantage of financial opportunities and continue working toward milestone goals. Custom budgets for life stages help you navigate these transitions with confidence, ensuring that your financial plan evolves alongside your needs.

Pairing the Right Products with Your Lifestyle

The right financial products — like high-yield savings accounts, flexible checking options and reward-based credit cards, for example — can make your money management more impactful. By choosing and using the right tools at the right time, here’s how you can maximize your financial potential and make the most of every milestone.

Savings Accounts
Savings accounts^1a are a foundational financial tool that helps you get from one life stage to another. Savings accounts provide a safe, accessible way to build emergency funds and savings for both short- and longer-term goals. Plus, the variety of options lets you save a little at a time or manage larger sums. Whether you're saving for a vacation or a major life event, a savings account offers the flexibility to adjust deposits and withdrawals as your needs change.

• Need an emergency fund? Set up a regular savings account with automatic deposit so that with each paycheck, you can pay yourself first and earn a little interest to help it grow.^1a
• Planning for a vacation? Club savings let you save specifically for a vacation or the holidays, for example. With Vacation Clubs paying out on May 1 and Christmas Clubs paying out on November 1, you can maintain year-round budgeting and a consistent lifestyle.^1b
• Responsible for sizable annual payments? Setting aside funds in a Special Savings account and paying into it year-round ensures you’ll avoid a financial crisis and have the purposed money that you need when you need it.^1a
• Proactively saving up for the big-ticket items in life? Consider an Elite Saver savings account, ideal for longer-term saving. You can earn double the annual percentage yield of a regular savings account, keep your money in a safe place and still have it remain accessible while you continue to save.^1c
• Want to teach a young child to save? Help them open a Youth Savings account, and La Capitol will give them a $25 opening deposit match.^1d
• Need to save for a child’s education? Open a Coverdell Education Savings Account. With a zero-dollar minimum opening balance and no minimum balance requirements, you can contribute up to $2,000 a year and earn a little interest. Plus, it’s not just for college. You can use funds tax-free for qualifying expenses from kindergarten up.^{1a, 3b}
• Planning for retirement or long-range savings? Consider share certificates^2a or an Individual Retirement Account^3a (IRA). Share certificates allow you to deposit a lump sum for a set period, earning a guaranteed interest rate. At the end of the term, you can either reinvest the funds or use them as you wish. IRAs, on the other hand, offer tax advantages based on your filing status, allowing you to save pretax or post-tax money. Traditional IRAs use pretax contributions, while Roth IRAs use post-tax contributions, providing flexibility to choose the tax strategy that best suits your financial goals.^3b

Checking Accounts

Checking accounts^4a are essential for managing day-to-day expenses — especially when milestones like a career change or growing a family create new spending patterns. La Capitol’s checking options come with features like a no cost option^4d and convenient mobile access that make staying on top of your finances easy no matter where life is taking you. Plus, with flexible withdrawal options and access to thousands of ATMs, your checking account ensures that your budget can accommodate both planned purchases and unexpected expenses.

• Need a basic account with lots of flexibility and leeway to help with cashflow? La Cap’s Simple Checking^4b will let you get your paycheck up to two days early.^4e Plus, you can enjoy a 24-hour grace period to make a deposit or transfer to cover transaction costs. Meanwhile, you have 24/7 online access service to let you manage your money on your schedule.
• Want both flexibility and financial growth in your cashflow? La Cap’s Choice Checking^4c lets you earn 6.50% APY on checking balances up to $10,000.^4c Like Simple Checking, Choice Checking also lets you get your paycheck up to two days early.^4e Plus, you’ll have the option of ATM fee refunds as well as 24/7 online banking access.
• Wish you could consolidate — or eliminate — all those little fees that eat you alive? Adding La Cap’s BaZing^4f to your Choice or Simple Checking account for just $5.99 a month offers cell phone protection, roadside assistance, $10,000 accidental death coverage, identity theft aid, gas pump savings, and discounts and deals at local retailers. With BaZing, you can make a little count for a lot.

Credit Cards

Credit cards^5a offer ways to expand purchasing power when needed. Life’s milestones often involve big purchases — think weddings, home renovations or moving expenses—but even everyday expenses can add up. Credit cards can be a useful tool for stretching your budget, offering both flexibility and valuable perks that extend your purchasing power.

• Want to earn cash back on every purchase? La Capitol’s Cash Back Visa Signature card lets you earn 1% cash back,^5c and you can earn $150 in the first 90 days just for using your card.^5b
• Want to earn points that you can redeem for travel, merchandise or statement credits? La Capitol’s Visa Rewards card awards you one point for every dollar spent.^5a
• Want a great low interest rate? La Capitol’s Prime Plus Visa card offers low, low everyday rates. The Cash Back Visa Signature offers zero percent interest on new purchases for 12 months.^5a

No matter which card fits your needs best, La Capitol’s Visa credit cards give you the flexibility, rewards and low rates to help you manage your budget and make the most of every dollar.

Plan Your Financial Future at La Capitol

Life is full of changes, and your budget should be able to change with you. Whether you're starting a new job, getting married, growing your family, sending children to college, planning for retirement or simply looking for ways to make the most of your money so that you can do the things you always dreamed of doing, La Capitol offers financial products designed to help you stay in control.

Disclosures

Savings
1a La Cap Savings (Share) 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 earned are posted and compounded monthly. Each day your account balance exceeds $100.00, you earn dividends on the entire balance. Applicable fees and conditions could reduce the earnings on your account. Effective Date: 10/1/22

1b Christmas Club: Minimum balance to open - $25.00. Beginning 90 days after account opening, a low balance fee will be assessed each month that the account has a balance of less than $100. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. You may make unlimited additions into your account. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before the end of the club term, then this account may be closed. If a Christmas Club Savings account is closed before the end of the club term, it cannot be reopened until January 1st of the following year. An early withdrawal fee of $25.00 will be charged for each withdrawal before the end of the club term. Any funds in the account will transfer to the primary share account on November 1st of each year, regardless of account opening date. Effective Date: 10/1/22
Vacation Club: Minimum balance to open - $25.00. Beginning 90 days after account opening, a low balance fee will be assessed each month that the account has a balance of less than $100. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. You may make unlimited additions into your account. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before the end of the club term, then this account may be closed. If a Vacation Club Savings account is closed before the end of the club term, it cannot be reopened until January 1st of the following year. An early withdrawal fee of $25.00 will be charged for each withdrawal before the end of the club term. Any funds in the account will transfer to the primary share account on May 1st of each year, regardless of account opening date. Effective Date: 10/1/22

1c 1. Qualifications – Elite Saver Plus Accounts are available only to credit union members with a Choice Checking or Liquid Assets Account. If your Choice Checking or Liquid Assets Account is closed, your Elite Saver Plus Account will be converted to a Regular Savings (Share) Account. Minimum opening balance is $10,000.00. 2. Tiered Rate APY – The Annual Percentage Yield for your account is determined by the applicable rate tier. Elite Saver Plus Account is a tiered rate account. Tier 1, required balance: $10,000.00 - $99,999.99, 1.5% APY; Tier 2, required balance: $100,000.00 - $249,999.99, 1.00% APY; and Tier 3, required balance: $250,000 and higher, 0.5% APY. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated in the Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please contact the Credit Union. Determination of Rate - At our discretion, we may change the interest rate on your account at any time. Frequency of Rate Change - We may change the interest rate on your account at any time. Dividend Compounding and Crediting – Dividends on all accounts are compounded and paid monthly. Dividends are calculated by the Daily Balance method for the entire dividend period. Dividends will begin to accrue on the business day you deposit cash and non-cash items (for example, checks) to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. A minimum balance of $10,000.00 is required to earn the stated APY. No interest is earned on account balances less than $10,000.00. 3. Rate Information – The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the dividend declaration date set forth below. These rates are subject to change as determined by the Credit Union’s Board of Directors. The Elite Saver Plus account is a tiered rate account. 4. Fees – A fee of $25.00 per month will be assessed on any Elite Saver Plus Account when the balance falls below $10,000.00 any day during the month. The $2.00 per month statement fee is waived for members under 17 years of age or over 60 years of age and for any member enrolled in electronic statements. Withdrawal Limitations – There are no limitations on withdrawals from Elite Saver Plus Accounts. Withdrawals will decrease the APY earned.

1d The minimum opening balance required is $25. At account opening, La Cap will deposit an additional $25 into the account. A balance of $100 will accrue dividends. Monthly service fees are waived for account owners under 17 years of age. At age 17, monthly service fees apply. Effective Date: 10/1/22

Share certificates
2a La Capitol Certificate Accounts are term Share Accounts. The APY is fixed at the time you make the initial deposit to open or renew the account, and will not change during the term of the Certificate. The APY given above assume dividends remain in the account until maturity. A withdrawal of dividends will reduce earnings. Dividends earned are posted and compounded monthly unless otherwise paid, except for the 91-Day Account, to which earnings are posted at maturity. You may choose to have your earnings compounded in the Certificate Account, or transferred to your La Cap savings or checking account. Applicable fees and other conditions could reduce the earnings on your account. Substantial penalty for early withdrawal. Effective Date: 10/09/2026

2b Membership is required. APY = Annual Percentage Yield. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on the assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. The minimum opening deposit for Thrifty Saver Share Certificates varies by term: 1 year = $1,500.; 2 year = $1,000.00; 3, 4, & 5 year = $500.00. The minimum opening deposit for Super Saver Share Certificates for all terms is $100,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Certificates will automatically renew at rates effective at the time of renewal. An early withdrawal penalty may apply for withdrawals made before the maturity of the certificate. For the Thrifty Saver, Super Saver, and Mega Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking account is closed before the certificate matures, the certificate rate and APY will decrease to the current rate, and APY available for the certificates without a checking account. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends and Terms of 3 years or more 365 days' dividends. During the term of the Mega Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the Mega Share Certificate of the same term limit as your Mega Share Certificate. The new dividend rate will be paid for the remaining term of the special share certificate. The term of the special share certificate will remain the same. Federally insured by NCUA. Effective Date: 10/09/2026

Individual retirement accounts (IRA)
3a IRA Certificate Account is a term share account. The Annual Percentage Yield is fixed at the time you make the initial deposit to open or renew the account, and will not change during the term of the Certificate. IRA Floating Rate Account is a variable rate account with no maturity. No minimum deposit is required to open this account or to obtain the disclosed Annual Percentage Yield. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends earned are posted and compounded monthly. Applicable fees and conditions could reduce the earnings on your account. Substantial penalties for early withdrawal.

3b You should consult your tax professional to see what specific tax advantages apply to your situation.

Checking
4a The following applies to all La Cap Checking accounts: Membership is required a Regular Savings Account with a $5.00 par balance. Checking account approval is based on the evaluation of creditworthiness. A fee of $8.00 monthly service charge for a low balance will be assessed if average daily balance requirements are not met. The $8.00 monthly service charge for a low balance is waived for members under 24 years old and have a Simple Checking account. A $2.00 monthly service charge will be assessed if paper statements are provided. The $2.00 monthly service charge for paper statements is waived for members who are under 17 years old or over 60 years old or any account enrolled to receive electronic statements (eStatements). Unless otherwise stated overdraft programs are available for additional fees please see the fee schedule for specific services and fees. Some restrictions apply. Please contact a La Cap representative for additional details.

4b La Cap Simple Checking is a non-dividend-bearing account. The minimum deposit to open is $50.00. To avoid the $8.00 monthly service charge for a low balance one of the following must occur: $1,000 daily balance; or ten (10) posted, non-ATM, debit card transactions; or a direct deposit of $500.00 or more during the statement period. The $2.00 monthly service charge for paper statements is waived when online consent to enroll in Electronic Statements (eStatements) is received. Effective Date: 01/01/26

4c La Cap Choice Checking is subject to approval. APY = Annual Percentage Yield and reflects that Membership is required and subject to approval. Membership requires $5.00 par balance in a primary savings account. The minimum opening deposit required is $50.00. Rates are accurate as of effective date 01/01/26 and subject to change without notice after account is opened. The Choice Checking is a tiered rate account Tier 1) Balances up to $10,000 earn an APY up to 6.50%; Tier 2) Balances $10,000.01 or greater earn an APY of 0.74%. To qualify for the stated high yields, you must have fifteen (15) debit card transactions with a minimum of $5.00 each, excluding ATM transactions, posted to your account before the end of the statement period. If the required debit card transactions do not post to your account before the end of the statement period, your entire account balance will earn 0.01% APY. A monthly low balance fee of $8.00 will be charged to the account when 1) the daily balance falls below $1,000.00 anytime during the statement period; OR 2) 15 debit card transactions, excluding ATM transactions, do not post to the account by the end of the statement period. A monthly paper statement fee of $2.00 will be charged to the account unless 1) the account is enrolled to receive statements electronically, OR 2) the member is under 24 years of age. When you agree and consent to receive your statements electronically, you are eligible for a refund of ATM fees up to $25.00 charged for using an ATM not owned by La Capitol FCU. Dividends are calculated on a daily balance method, compounded, and credited monthly. The stated APYs are calculated using compounding dividends and are not guaranteed. Withdrawals will decrease the APY earned. La Cap reserves the right to limit the number of Choice Checking accounts per membership, joint or individually. Federally insured by NCUA.

4d No cost option is available when your average daily balance does not fall below $1,000.00 during the statement period; OR you have 15 debit card transactions that are not ATM transactions, complete and post to your account by the end of the statement period and you affirmatively consent to receive your statements electronically. Each month these are not met your checking account will be charged an $8.00 low balance fee and a $2.00 checking paper statement fee. Low balance fee and monthly service fee waived for accounts owned by members age 24 and under. When an account holder reaches age 25, monthly service fee and low balance fee become applicable.

4e You may receive access to your ACH credits up to 2 days early. We post ACH credits the day we receive them and when we receive them depends on the timing of the payer’s payment instructions. Federal holidays may delay availability.

4f BaZing is available with Choice Checking and Simple Checking accounts. The fee is $5.99 per month. Cell phone and personal identity protection are services provided by a third party and are subject to additional terms and conditions. Separate activation for these benefits is required. To activate identity monitoring, please go to www.bazing.com, log in, select Protection under Categories, and follow the easy sign-up steps. BaZing Fuel is subject to terms and conditions; see the BaZing Benefits Guide for details.

Visa
5a APR = Annual Percentage Rate. With Cash Back Visa, the introductory APR of 2.99% for billing cycles on eligible purchases made in the first 180-days from account opening. The introductory APR on balance transfers made in the first 180-days from account opening. Cash advances are not eligible for either introductory rate. The non-introductory variable rate as of 10/22/2026 will be (12.00%-18.00% Prime Plus) (14.00%-18.00% Signature Cash Back) (14.00%-18.00% Rewards) based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 2.99% balance transfer offer. Membership required and membership account with $5 par required for additional services. Additional restrictions may apply please contact a La Cap representative for complete details.

5b You will be eligible to earn a $150 bonus when you spend at least $1,500 in eligible net purchases within 90-days of from opening your new Visa Signature Cash Back. The purchase requirements and exclusions that apply to cash back rewards also apply to the bonus. This applies to new La Capitol Visa Signature Cash Back accounts only. Additional restrictions may apply please contact a La Cap representative for complete details.

5c Earn a 1.00% rebate based on net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM transaction fees. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards. Additional restrictions may apply please contact a La Cap representative for complete details.