Current Rates

   

Better Than Most

Explore current rates on personal loans, vehicle loans, mortgages and more! See for yourself why dividends make the difference when selecting a credit union like La Capitol for your checking and savings accounts. Click a product to browse current rates.

Loans

  • Home Loans / Mortgages
  • Signature & Personal Loans

    Signature Loans (Personal / Unsecured)2

    07-24-2017

    Loan Amount1 APR As Low As Term (up to)
    $1,000 - $2,500 11.19% 24 Months
    $2,501 - $5,999 8.99% 36 Months
    $6,000 - $9,999 8.99% 48 Months
    $10,000 - $19,999 6.99% 48 Months
    $20,000 & above 6.99% 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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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

    01-01-2014

    Term APR2
    Choice of repayment terms, not to exceed 10 years 3.15%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

    01-01-2014

    APR As Low As
    10.25%

    1 Credit limit determined by individual's creditworthiness.

  • Vehicle Loans

    New Vehicle - 2016 and Newer Model Years

    Auto, Van, Truck and Program Car3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 2.69%
    37 to 48 Months 2.69%
    49 to 60 Months 2.94%
    61 to 66 Months1 2.94%
    67 to 75 Months1 3.19%
    76 to 78 Months2 3.19%
    79 to 84 Months2 4.49%

    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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

     

    Used Vehicle - 2012 to 2015 Model Years

    Auto, Van and Truck3 1.1.17 

    Term (up to) APR As Low As4
    1 to 36 Months 3.74%
    37 to 48 Months 3.74%
    49 to 60 Months 3.99%
    61 to 66 Months1 3.99%
    67 to 75 Months2 4.24%

    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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

     

    Second Chance Refinance - 2016 and Newer Model Years

    Auto, Van, Truck3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 2.69%
    37 to 48 Months 2.69%
    49 to 60 Months 2.94%
    61 to 66 Months1 2.94%
    67 to 75 Months1 3.19%
    76 to 78 Months2 3.19%
    79 to 84 Months2 4.49%

    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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

     

    Second Chance Refinance - 2012-2015 Model Years

    Auto, Van, Truck1 1.1.17

    Term (up to) APR As Low As3
    1 to 36 Months 3.74%
    37 to 48 Months 3.74%
    49 to 60 Months 3.99%
    61 to 66 Months2 3.99%
    67 to 75 Months3 4.24%

    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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

    *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.

  • Recreational Vehicle Loans

    New Boats and Motorcycles - 2016 and Newer Model Years

    (Second Chance Refinance)3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 3.29%
    37 to 48 Months 3.29%
    49 to 60 Months 4.04%
    61 to 72 Months 4.54%
    73 to 84 Months1 5.04%1
    85 to 120 Months2 6.04%2

    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 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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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.

     

    Used Boats and Motorcycles - 2013-2015 Model Years

    (Second Chance Refinance on 2013 & Newer Model Years)2 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 4.79%
    37 to 48 Months 4.79%
    49 to 60 Months 5.54%
    61 to 72 Months 6.04%
    73 to 84 Months1 6.54%
    85 to 120 Months2 7.54%3

    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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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 Maximum term for a motorcycle is 84 months.

     

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

    2013 and Newer Model Years2 1.1.17

    Loan Amount Term (up to)1 APR As Low As
    Any Amount 1 to 36 Months (3 yrs) 5.55%
    Any Amount 1 to 48 Months (4 yrs) 5.95%
    Any Amount 49 to 60 Months (5 yrs) 6.30%
    Any Amount 61 to 72 Months (6 yrs) 6.95%
    over $25,000 73 to 84 Months (7 yrs) 7.30%
    over $40,000 85 to 120 Months (10 yrs) 7.80%
    over $65,000 121 to 180 Months (15 yrs) 8.80%
    over $100,000 181 to 240 Months (20 yrs) 9.35%

    1 Loan amount for ATVs and Jet Skis must be $15,000.00 or greater for a 72 month 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
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    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
      Prime Plus Rewards
    Annual Percentage Rate (APR) for Purchases 8.00% to 18.00%  when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 12.00% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    With both cards, you’ll enjoy:

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

Share Products

  • Checking
    Checking Accounts
      Annual Percentage Yield Minimum Opening Balance Minimum Required Balance to Avoid Low Balance Fee Dividend Compounded and Credited Minimum Required Balance to Earn Dividends
    Liquid Assets Checking 0.15%  $2,500.00 $2,500.00 Monthly $2,500.00
    Choice Checking 4.25%1 $50.00 $1,000.00 2 Monthly NONE 1
    Choice Plus Checking 4.25%1 $50.00 $1,000.00 3 Monthly NONE 1

    1 APY = Annual Percentage Yield. La Cap Checking (Share draft) 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 are posted and compounded monthly. Minimum balance $1,000.00. Applicable fees and conditions could reduce the earnings on your account. Qualification to earn dividends: - 20 (Choice) / - 15 (Choice Plus) or more posted non-ATM debit card transactions per month: - 4.25% APY on balances up to but not exceeding $3,000 - 2.00% APY on balances over $3,000 and up to but not exceeding $10,000 - 0.10% APY on balances exceeding $10,000. If qualification stated is not met: - 0.10% APY on entire balance. Must meet criteria for opening a checking account.

    2 La Cap Choice (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 20 or more posted non-ATM debit card transactions per month.

    3 La Cap Choice Plus (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 15 or more posted non-ATM debit card transactions per month.

     

  • Savings
    Savings Accounts
      Annual Percentage Yield Minimum Opening Balance Minimum Required Balance to Avoid Service Fee Dividend Compounded and Credited Minimum Required Balance to Earn Dividends
    Regular Savings 0.15%  $5.00 $100.00 1 Monthly $100.00
    Special Savings 0.15%  $100.00 $100.00 Monthly $100.00
    Christmas Club Savings 0.15%   $25.00 $100.00 Monthly $100.00
    Elite Saver Savings 2 0.25%  $100.00 $5000.00 Monthly $5000.00
    Coverdell Education Savings 0.30%  $0.00 --- Monthly ---

    1 The monthly service fee on regular savings accounts is waived if there is an active loan account or certificate account.

    2 Account available only to members who have Choice Plus, Choice or Liquid Assets Checking account.

     

  • Share Certificates
    91 Day 1
    Min. Opening Deposit APY Term Dividends Credited
    $5,000.00 0.15%  91 Days At Maturity

    1 La Capitol Certificate Accounts are term Share Accounts. The APY is fixed at the time you make the initial deposit to open or renew the account, and will not change during the term of the Certificate. The APY given above assume dividends remain in the account until maturity. A withdrawal of dividends will reduce earnings. Dividends earned are posted and compounded monthly unless otherwise paid, except for the 91-Day Account, to which earnings are posted at maturity. You may choose to have your earnings compounded in the Certificate Account, or transferred to your La Cap savings or checking account. Applicable fees and other conditions could reduce the earnings on your account. Substantial penalty for early withdrawal.

     

    6 Month 1
    Min. Opening Deposit APY Term Dividends Credited
    $2,500.00 0.30% 6 Months Monthly

    1 La Capitol Certificate Accounts are term Share Accounts. The APY is fixed at the time you make the initial deposit to open or renew the account, and will not change during the term of the Certificate. The APY given above assume dividends remain in the account until maturity. A withdrawal of dividends will reduce earnings. Dividends earned are posted and compounded monthly unless otherwise paid, except for the 91-Day Account, to which earnings are posted at maturity. You may choose to have your earnings compounded in the Certificate Account, or transferred to your La Cap savings or checking account. Applicable fees and other conditions could reduce the earnings on your account. Substantial penalty for early withdrawal.

     

    Thrifty Saver 1
    Min. Opening Deposit APY APY with La Cap Checking 2 Term Dividends Credited
    $1,500.00 0.50%  1.00%  1 Year Monthly
    $1,000.00 0.70% 1.20%  2 Year Monthly
    $500.00 0.95%  1.45%  3 Year Monthly
    $500.00 1.35%  1.85%  4 Year Monthly
    $500.00 1.55%  2.05%  5 Year Monthly

    1 La Capitol Certificate Accounts are term Share Accounts. The APY is fixed at the time you make the initial deposit to open or renew the account, and will not change during the term of the Certificate. The APY given above assume dividends remain in the account until maturity. A withdrawal of dividends will reduce earnings. Dividends earned are posted and compounded monthly unless otherwise paid, except for the 91-Day Account, to which earnings are posted at maturity. You may choose to have your earnings compounded in the Certificate Account, or transferred to your La Cap savings or checking account. Applicable fees and other conditions could reduce the earnings on your account. Substantial penalty for early withdrawal.

    2 Receive an additional .50% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional .50% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional .50% will be removed from the certificate. Offer subject to change without notice.

     

    Super Saver 1
    Min. Opening Deposit APY APY with La Cap Checking 2 Term Dividends Credited
    $100,000.00 0.60%  1.10%  1 Year Monthly
    $100,000.00 0.80%  1.30%  2 Year Monthly
    $100,000.00 1.05%  1.55%  3 Year Monthly
    $100,000.00 1.45%  1.95%  4 Year Monthly
    $100,000.00 1.65%  2.15%  5 Year Monthly

    1 La Capitol Certificate Accounts are term Share Accounts. The APY is fixed at the time you make the initial deposit to open or renew the account, and will not change during the term of the Certificate. The APY given above assume dividends remain in the account until maturity. A withdrawal of dividends will reduce earnings. Dividends earned are posted and compounded monthly unless otherwise paid, except for the 91-Day Account, to which earnings are posted at maturity. You may choose to have your earnings compounded in the Certificate Account, or transferred to your La Cap savings or checking account. Applicable fees and other conditions could reduce the earnings on your account. Substantial penalty for early withdrawal.

    2 Receive an additional .50% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional .50% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional .50% will be removed from the certificate. Offer subject to change without notice.

     

  • Individual Retirement Accounts (IRAs)
    Traditional & Roth IRA APY1 APY with La Cap Checking2 Min. Opening Balance Dividend Credited Term Min. Balance to Earn Dividends
    Certificate Account 0.85% 1.35% $5,000.00 Monthly 2 Years $5,000.00
    Certificate Account 0.85% 1.35% $20,000.00 Monthly 2 Years $20,000.00
    Floating Rate Account 0.30% 0.30% $0.00 Monthly --- ---
    IRA Plus Account3 0.30% 4.00% $0.00 Monthly Dec. 31 of contribution year ---

    1 APY = Annual Percentage Yield.

    2 Receive an additional 0.50% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional 0.50% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional 0.50% will be removed from the certificate. Offer subject to change without notice.

    3 IRA Plus is a term share account. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. In order to maintain the rate you receive on an IRA Plus, a checking account must remain open until maturity. If the checking account is closed before maturity, the IRA Plus rate will revert to the current IRA floating rate for the remainder of the term. The APY is available on new contributions made to your account this year. The maturity date is December 31, of the year the contribution was made. No minimum balance is required to open an IRA Plus account or to obtain the disclosed APY. IRA rollovers from another financial institution or retirement plan do not qualify for this special IRA Plus rate. Dividends earned are posted and compounded monthly. Applicable fees and conditions could reduce the earnings on your account. Substantial penalties for early withdrawal.