Current Loan Rates

   

Better Than Most

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.

Loans

  • Home Loans / Mortgages
  • Signature & Personal Loans

    Signature Loans (Personal / Unsecured)2

    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.

    Share Secured or Certificate Secured Loan Savings Account Loan

    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.

    Line of Credit Loan1

    02/19/2020

    APR As Low As
    10.25%

    1 Credit limit determined by individual's creditworthiness.

  • Vehicle Loans

    New Vehicle - 2018 and Newer Model Years

    Auto, Van, Truck and Program Car3 06/21/2021

    Term (up to) APR As Low As4
    1 to 36 Months 2.59%
    37 to 48 Months 2.59%
    49 to 60 Months 2.89%
    61 to 66 Months1 2.89%
    67 to 75 Months1 2.99%
    76 to 78 Months2 3.14%
    79 to 84 Months2 3.44%

    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).

    Used Vehicle - 2017 and Older Model Years

    Auto, Van and Truck1 06/21/2021

      2014-2017 Model Years 2013 and Older Model Years
    Term (up to) APR As Low As4 APR As Low As4
    1 to 36 Months 3.59%2 4.59% 3
    37 to 48 Months 3.59%2 4.59% 3
    49 to 60 Months 3.89%2 4.89% 3
    61 to 66 Months 3.89%2 4.89% 3
    67 to 75 Months 3.99%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).

  • Recreational Vehicle Loans

    New Boats - 2018 and Newer Model Years

    (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.

    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). 

    Used Boats - 2015-2017 Model Years

    (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.

    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). 

    New, Used or Refinanced Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor

    2015 and Newer Model Years3 04/22/2021

    Loan Amount Term (up to)1 APR As Low As
    Any Amount 1 to 36 Months (3 yrs) 5.50%
    Any Amount 1 to 48 Months (4 yrs) 6.25%
    Any Amount 49 to 60 Months (5 yrs) 6.75%
    Any Amount 61 to 72 Months (6 yrs) 7.00%
    over $25,000 73 to 84 Months (7 yrs) 7.25%
    over $40,000 85 to 120 Months (10 yrs)2 8.00%
    over $65,000 121 to 180 Months (15 yrs)2 9.25%
    over $100,000 181 to 240 Months (20 yrs)2 9.50%

    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.

  • Visa Credit Cards
    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
    • 0% interest on balance transfers for 12 months1
      On balance transfers made in the first 90 days after account opening
    • 0% interest on new purchases for 12 months1
      On purchases made in the first 90 days after account opening
    • 0% interest on balance transfers for 12 months1
      On balance transfers made in the first 90 days after account opening
    • 1.99% interest on new purchases for 12 months1
      On purchases made in the first 90 days after account opening
    • 0% interest on balance transfers for 12 months1
      On balance transfers made in the first 90 days after account opening
    • 1.99% interest on new purchases for 12 months1
      On purchases made in the first 90 days after account opening
    • No over-the-limit fee
    • No annual fee

    1 APR = Annual Percentage Rate. With Prime Plus and Rewards Visa’s the introductory APR of 1.99% for 12 billing cycles on eligible purchases made in the first 90-days from account opening. With Cash Back Visa, the introductory APR of 0.00% for billing cycles on eligible purchases made in the first 90-days from account opening. The introductory APR on balance transfers made in the first 90-days from account opening is 0.00% for 12 billing cycles. Cash advances are not eligible for either introductory rate. After that the variable rate as of 10/18/2021 will be (6.25%-18.00% Prime Plus) (10.25%-13.25% Signature Cash Back) (10.25%-18.00 Cash Back Rewards) based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 0.00% 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.
    2 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.  
    3 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.