Bump Rate Share Certificates


Grow Your Savings with a Special Rate

Bump Rate Share Certificates rates

Have confidence in your earnings with our Bump Rate Share Certificates. You’ll get the best rate now and a one-time rate increase if share rates continue to climb.* These rates won’t be around for long. ACT TODAY!

  • Higher rates than traditional savings accounts
  • Term options to fit your needs
  • $1,000 minimum*
  • One-time Rate Bump*

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Interested in more Share Certificate options? See how you can earn more in the long run at La Cap.

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*Special Certificate with One-Time Bump. Limited Time Offer for terms of 16 months and 26 months one-time rate bump. Membership is required and subject to approval. Membership requires a $5.00 par share balance. APY = Annual Percentage Yield. Rates are accurate as of 8/18/2022. La Cap FCU reserves the right to end or modify this offer at any time. 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. A withdrawal will reduce earnings. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The advertised Dividend Rates and APYs apply to new deposits; funds currently on deposit in a La Cap account are not eligible for this offer. The minimum opening deposit for the 16-month and 26-month Special Certificates is $1,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Early withdrawal penalty may apply for withdrawals before maturity. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends. During the term of the 16-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the 1-year Thrifty Saver Certificate or 1-year Super Saver Share Certificate. During the term of the 26-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective rate of the 2-year Thrifty Saver Certificate or 2-year Super Saver Certificate. The minimum opening deposit amount of the Thrifty Saver Certificates and Super Saver Certificates must be met to adjust to the effective rate. 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. At maturity, the special share certificate will not auto-renew, the certificate will be closed and the balance will be deposited into a transaction account. Federally insured by NCUA.