Our West Bank office is currently closed and the Houma office is drive-thru only. Due to COVID-19, these hours will continue for the immediate future. We will return to normal business hours as soon as possible.
Explore current rates on personal loans, vehicle loans, mortgages and more! See for yourself why credit union rates make the difference. Click a product to browse current rates.
02/19/2020
| Loan Amount1 | APR As Low As | Term (up to) |
|---|---|---|
| $1,001 - $2,500 | 8.99% | 24 Months |
| $2,501 - $5,999 | 8.99% | 36 Months |
| $6,000 - $9,999 | 8.99% | 48 Months |
| $10,000 - $14,999 | 9.49% | 48 Months |
| $15,000 & above | 9.99% | 60 Months |
1 Maximum dollar amount and interest rate are determined by individual's creditworthiness and the loan term.
2 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
02/19/2020
| Term | APR2 |
|---|---|
| Choice of repayment terms, not to exceed 10 years | 3.25%1 |
1 The Annual Percentage Rate will be 3% above the offered rate on the deposit type account being pledged to secure the loan. Should the balance of more than one deposit type account be used to secure the loan, the APR will be the higher dividend rate, plus 3%.
2 Rate subject to change if the rate on the deposit type account being pledged changes.
02/19/2020
| APR As Low As |
|---|
| 10.25% |
1 Credit limit determined by individual's creditworthiness.
Auto, Van, Truck and Program Car3 01/05/2021
| Term (up to) | APR As Low As4 |
|---|---|
| 1 to 36 Months | 2.84% |
| 37 to 48 Months | 2.84% |
| 49 to 60 Months | 3.14% |
| 61 to 66 Months1 | 3.14% |
| 67 to 75 Months1 | 3.24% |
| 76 to 78 Months2 | 3.39% |
| 79 to 84 Months2 | 4.19% |
1 Available on amounts $15,000 & above. Certain conditions apply.
2 Available on amounts $30,000 & above. Certain conditions apply.
3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
4 Rate may increase subject to final Loan to Value (LTV).
Auto, Van and Truck1 01/05/2021
| 2013-2016 Model Years | 2012 and Older Model Years | |
|---|---|---|
| Term (up to) | APR As Low As4 | APR As Low As4 |
| 1 to 36 Months | 3.84%2 | 4.84% 3 |
| 37 to 48 Months | 3.84%2 | 4.84% 3 |
| 49 to 60 Months | 4.14%2 | 5.14% 3 |
| 61 to 66 Months | 4.14%2 | 5.14% 3 |
| 67 to 75 Months | 4.24%2 | --- |
1 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
2 Available on amounts $15,000 & above. Certain conditions apply.
3 Available on amounts $7,500 & above. Certain conditions apply.
4 Rate may increase subject to final Loan to Value (LTV).
Auto, Van, Truck3 08/19/2020
| Term (up to) | APR As Low As4 |
|---|---|
| 1 to 36 Months | 2.84% |
| 37 to 48 Months | 2.84% |
| 49 to 60 Months | 3.14% |
| 61 to 66 Months1 | 3.14% |
| 67 to 75 Months1 | 3.24% |
| 76 to 78 Months2 | 4.19% |
| 79 to 84 Months2 | 4.19% |
1 Available on amounts $15,000 & above. Certain conditions apply.
2 Available on amounts $30,000 & above. Certain conditions apply.
3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
4 Rate may increase subject to final Loan to Value (LTV).
Auto, Van, Truck1 08/19/2020
| Term (up to) | APR As Low As3 |
|---|---|
| 1 to 36 Months | 3.84% |
| 37 to 48 Months | 3.84% |
| 49 to 60 Months | 4.14% |
| 61 to 66 Months2 | 4.14% |
| 67 to 75 Months3 | 4.24% |
1With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
2 Available on amounts $15,000 & above. Certain conditions apply.
3 Available on amounts $30,000 & above. Certain conditions apply.
4 Rate may increase subject to final Loan to Value (LTV).
*The actual rate for which you qualify will be based on your credit history, loan amount & the term of your loan. Eligible members may elect to defer payment for up to 90 days (some restrictions apply). Interest continues to accrue during deferment period. Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge. Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 2.44% APR for 48 month term. Other rates available for different terms. Up to $100 incentive offer is valid for transferred vehicle loans currently with other financial institutions and does not apply to vehicles currently financed through La Capitol Federal Credit Union. Only balances of $7,500 or above qualify for a cash incentive under this offer: $50 for vehicle loans with a balance of $7,500 up to $11,999.99; $75 for vehicle loans with a balance of $12,000 up to $17,999.99; and $100 for loans with a balance of $18,000 or more. Offer valid on 2016 or newer year models. Ask for complete details.
(Second Chance Refinance)2 01/05/2021
| Term (up to) | APR As Low As3 |
|---|---|
| 1 to 36 Months | 6.25% |
| 37 to 48 Months | 6.50% |
| 49 to 60 Months | 6.75% |
| 61 to 72 Months1 | 7.00% |
| 73 to 84 Months1 | 7.25% |
| 85 to 120 Months | 7.50% |
1 Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.
2 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
3 The actual rate for which you qualify will be based on your credit history, loan amount & the term of your loan. Rate may increase subject to final Loan to Value (LTV).
(Second Chance Refinance on 2013-2015 Model Years)2 01/05/2021
| Term (up to) | APR As Low As3 |
|---|---|
| 1 to 36 Months | 7.25% |
| 37 to 48 Months | 7.50% |
| 49 to 60 Months | 7.75% |
| 61 to 72 Months1 | 8.00% |
| 73 to 84 Months1 | 8.25% |
| 85 to 120 Months2 | 8.50% |
1 Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.
2 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
3 The actual rate for which you qualify will be based on your credit history, loan amount & the term of your loan. Rate may increase subject to final Loan to Value (LTV).
2015 and Newer Model Years3 01/05/2021
| Loan Amount | Term (up to)1 | APR As Low As |
|---|---|---|
| Any Amount | 1 to 36 Months (3 yrs) | 6.50% |
| Any Amount | 1 to 48 Months (4 yrs) | 7.25% |
| Any Amount | 49 to 60 Months (5 yrs) | 7.75% |
| Any Amount | 61 to 72 Months (6 yrs) | 8.00% |
| over $25,000 | 73 to 84 Months (7 yrs) | 8.25% |
| over $40,000 | 85 to 120 Months (10 yrs)2 | 9.00% |
| over $65,000 | 121 to 180 Months (15 yrs)2 | 10.25% |
| over $100,000 | 181 to 240 Months (20 yrs)2 | 10.50% |
1 Loan amount for ATVs and Jet Skis must be $15,000.00 or greater for a 72 month term.
2 Maximum term for a motorcycle is 84 months.
3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.
| Interest Rates & Interest Charges | |||
|---|---|---|---|
| Cash Back | Prime Plus | Rewards | |
| Annual Percentage Rate (APR) for Purchases | 10.25% to 13.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. | 6.25% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. | 10.25% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Introductory Offer |
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|
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1 APR = Annual Percentage Rate. The introductory APR on purchases is 0.00% for twelve months for purchases made in the first 90 days after account opening. The introductory APR on balance transfers is 0.00% for twelve months for balance transfers made in the first 90 days after account opening. Purchases and balance transfers made after the introductory rate periods will be charged at the non-introductory rate. The introductory rate does not apply to cash advances or similar cash transactions. The introductory rate will end twelve months from account opening. Your rate for purchases, balance transfers and unpaid balances after the introductory period will be adjusted to the non-introductory rates, based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 0.00% balance transfer offer. Membership eligibility required. Visit lacapfcu.org for full membership eligibility requirements.
2 APR = Annual Percentage Rate. Our Prime Plus Visa has the lowest rate of any credit card we offer. The introductory APR on purchases is 1.99% for twelve months for purchases made in the first 90 days after account opening. The introductory APR on balance transfers is 0.00% for twelve months for balance transfers made in the first 90 days after account opening. Purchases and balance transfers made after the introductory rate periods will be charged at the non-introductory rate. The introductory rate does not apply to cash advances. The introductory rate will end twelve months from account opening. Your rate for purchases, balance transfers and unpaid balances after the introductory period will be adjusted to the non-introductory rates, based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 0.00% balance transfer offer. Membership eligibility required. Visit lacapfcu.org for full membership eligibility requirements.
3 This means we do not charge an annual fee.
