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

    Signature Loans (Personal / Unsecured)2

    08-21-19

    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

    03-22-19

    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

    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 03-22-19

    Term (up to) APR As Low As4
    1 to 36 Months 3.59%
    37 to 48 Months 3.59%
    49 to 60 Months 3.99%
    61 to 66 Months1 3.99%
    67 to 75 Months1 3.99%
    76 to 78 Months2 4.14%
    79 to 84 Months2 5.64%

    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). 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 03-22-19

    Term (up to) APR As Low As4
    1 to 36 Months 4.59%
    37 to 48 Months 4.99%
    49 to 60 Months 4.99%
    61 to 66 Months1 4.99%
    67 to 75 Months2 4.99%

    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). 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 03-22-19

    Term (up to) APR As Low As4
    1 to 36 Months 3.59%
    37 to 48 Months 3.59%
    49 to 60 Months 3.99%
    61 to 66 Months1 3.99%
    67 to 75 Months1 3.99%
    76 to 78 Months2 4.14%
    79 to 84 Months2 5.64%

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

     

    Second Chance Refinance - 2012-2015 Model Years

    Auto, Van, Truck1 03-22-19

    Term (up to) APR As Low As3
    1 to 36 Months 4.59%
    37 to 48 Months 4.59%
    49 to 60 Months 4.99%
    61 to 66 Months2 4.99%
    67 to 75 Months3 4.99%

    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 $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 03-22-19

    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, 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.

     

    Used Boats and Motorcycles - 2013-2015 Model Years

    (Second Chance Refinance on 2013 & Newer Model Years)2 03-22-19

    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, 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 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 03-22-19

    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, 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 12.25% to 15.25%  when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 8.25% to 18.00%  when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 12.25% 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 months2
      On balance transfers made in the first 90 days after account opening
    • 1.99% interest on new purchases for 12 months2
      On purchases made in the first 90 days after account opening
    • 0% interest on balance transfers for 12 months2
      On balance transfers made in the first 90 days after account opening
    • 1.99% interest on new purchases for 12 months2
      On purchases made in the first 90 days after account opening
    • No over-the-limit fee
    • No annual fee3

    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.

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 0.25%  $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 2 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 and 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: - 20 (Choice) / - 15 (Choice Plus) 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 0.25%  $5.00 $100.00 1 Monthly $100.00
    Special Savings 0.25%  $100.00 $100.00 Monthly $100.00
    Christmas Club Savings 0.25%   $25.00 $100.00 Monthly $100.00
    Vacation Club Savings 0.25%   $25.00 $100.00 Monthly $100.00
    Elite Saver Savings 2 0.35%  $100.00 $5000.00 Monthly $5000.00
    Coverdell Education Savings 0.40%  $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 0.40%  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 1.75% 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 1.80%  2.30%  1 Year Monthly
    $1,000.00 2.05% 2.55%  2 Year Monthly
    $500.00 2.20%  2.70%  3 Year Monthly
    $500.00 2.30%  2.80%  4 Year Monthly
    $500.00 2.40%  2.90%  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 1.90%  2.40%  1 Year Monthly
    $100,000.00 2.15%  2.65%  2 Year Monthly
    $100,000.00 2.30%  2.80%  3 Year Monthly
    $100,000.00 2.40%  2.90%  4 Year Monthly
    $100,000.00 2.50%  3.00%  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 2.05% 2.55% $5,000.00 Monthly 2 Years $5,000.00
    Certificate Account 2.15% 2.65% $20,000.00 Monthly 2 Years $20,000.00
    Floating Rate Account 0.40% 0.40% $0.00 Monthly --- ---
    Bonus IRA Account3 5.00% 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 Effective 1/2/2019. Bonus IRA is a term share account. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. 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 a Bonus IRA 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. .