September 24, 2026
At La Capitol Federal Credit Union, membership is about more than having a place to manage your money. It is about building a financial relationship that gives back.
Over the past six years, La Cap has returned nearly $2 million directly to members through our Membership Rewards program. It is one of the ways we say thank you for choosing La Cap and continuing to grow your financial relationship with us.
From the checking account you use every day to the loan that helps put you in a new home, qualifying La Cap accounts can work together to help you build your potential Membership Reward.
Explore Membership Rewards and see how much you could earn.
How La Cap Membership Rewards Works
Your Membership Reward starts with your La Cap checking account. From there, qualifying relationships across savings, credit cards, vehicle loans, and mortgage loans can add to your potential reward.
That means the financial products you already use to manage everyday expenses, save for the future, build credit, purchase a vehicle, or buy a home can also help you get more from your La Cap membership.
Eligibility requirements apply, so visit our Membership Rewards page for current program details, potential reward amounts, and disclosures.
Build Your Rewards with Every Account
Different financial needs arise at different stages of life. La Cap offers solutions designed to support those needs while giving qualifying members more opportunities to benefit from their relationship with the credit union.
Checking: Where Your Membership Rewards Begin
A checking account is at the center of everyday money management, helping you handle deposits, purchases, payments, transfers, and more.
At La Cap, your checking relationship also serves as the foundation of Membership Rewards. Choice Checking offers benefits designed for everyday banking, while Liquid Assets Checking gives members who maintain larger balances the opportunity to earn dividends while keeping their money readily available.
Explore La Cap's checking account options to find the account that fits your financial needs.
Savings: Build for What Comes Next
Whether you are building an emergency fund, preparing for a major purchase, or working toward a long-term goal, saving consistently can help you prepare for what comes next.
La Cap offers savings options for different goals and timelines, including traditional savings accounts, higher-yield savings options, and Share Certificates. Maintaining a qualifying savings relationship can also add to your potential Membership Reward.
Explore La Cap savings options.
Credit Cards: Flexibility for Everyday Spending
A credit card can provide flexibility for everyday purchases while helping you establish and strengthen your credit history when used responsibly.
La Cap offers credit card options designed around different spending and borrowing needs, including choices for members interested in rewards, cash back, or competitive rates. A qualifying La Cap credit card can also help increase your potential Membership Reward.
Vehicle Loans: Financing the Road Ahead
From purchasing your next vehicle to refinancing an existing auto loan, the right financing can make a major purchase easier to manage.
La Cap vehicle loans offer competitive rates and flexible financing options, along with the personal service of a credit union focused on its members. Maintaining a qualifying vehicle loan can also contribute to your potential Membership Reward.
Mortgage Loans: Helping You Get Home
Buying a home is one of life's biggest financial milestones, and having the right lending partner can make a difference throughout the process.
La Cap offers mortgage options for homebuyers at different stages of their journey, supported by experienced Mortgage Loan Originators who can help guide you from application through closing. A qualifying mortgage relationship can also add to your potential Membership Reward.
Explore La Cap mortgage options.
Nearly $2 Million Given Back to La Cap Members
Membership Rewards is more than an added benefit. It reflects a simple idea: as your financial relationship with La Cap grows, we want the value of your membership to grow with it.
Over the past six years, La Cap has given nearly $2 million back to members through Membership Rewards. Those rewards represent real money returned to the people who choose La Cap for their everyday banking, saving, borrowing, and major financial milestones.
Make the Most of Your La Cap Membership
Your financial needs will change over time, but you do not have to manage each stage of your financial journey alone. Checking, savings, credit cards, vehicle loans, and mortgages can work together to create a stronger financial foundation — while qualifying relationships can help you get even more from your La Cap membership.
Ready to see what your relationship with La Cap could earn?
Explore Membership Rewards and calculate your potential reward.