Club Savings Accounts

   

Vacation Club

A lot of planning and expense goes into a great vacation. From hotels, to travel expenses, to rental cars, the expenses can add up fast. Start preparing for vacation early this year with regular direct deposits to your Vacation Club account. Then on May 1, funds will automatically be transferred to your Regular Savings account, so you can have peace of mind when you book your vacation.

Vacation Club accounts can be opened at any time of year. Start saving for vacation now!

  • 0.25% Annual Percentage Yield*
  • $25 Minimum Opening Balance
  • $100 Minimum Balance to Avoid Service Fee
  • $100 Minimum Balance to Earn Dividends
  • Dividends Compounded/Credited Monthly

Christmas Club

Imagine a financially stress-free Christmas! You can make it happen with regular direct deposits to your Christmas Club account. Then, on Nov. 1, funds will automatically be transferred to your Regular Savings account, in time for the holiday shopping frenzy.

Christmas Club accounts can be opened at any time of year. Open yours today!

  • 0.25% Annual Percentage Yield**
  • $25 Minimum Opening Balance
  • $100 Minimum Balance to Avoid Service Fee
  • $100 Minimum Balance to Earn Dividends
  • Dividends Compounded/Credited Monthly

Not a member?

Open an Account

Current member?

Open an Additional Share

*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.

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.

**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.

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.