Current Share Rates

   

Better Than Most

Explore current rates on checking, savings, individual retirement accounts (IRAs), and share certificates! 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.

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 Checking1 0.10%  $2,500.00 $2,500.00 Monthly $2,500.00
    Choice Checking2 4.25% $50.00 $1,000.00 Monthly NONE

    The following applies to all La Cap Checking accounts: Membership is required a Regular Savings Account with a $5.00 par balance. Checking account approval is based on the evaluation of creditworthiness. A fee of $8.00 monthly service charge for a low balance will be assessed if average daily balance requirements are not met. The $8.00 monthly service charge for a low balance is waived for members under 24 years old and have a Simple Checking account. A $2.00 monthly service charge will be assessed if paper statements are provided. The $2.00 monthly service charge for paper statements is waived for members who are under 17 years old or over 60 years old or any account enrolled to receive electronic statements (eStatements). Unless otherwise stated overdraft programs are available for additional fees please see the fee schedule for specific services and fees. Some restrictions apply. Please contact a La Cap representative for additional details.

    1La Cap Liquid Asset Checking The minimum deposit to open is $2,500.00. The dividend rate is .10% accurate as of 8/2/2021 and subject to change without notice. The $8.00 monthly service charge for a low balance is waived with a $2,500.00 average daily balance in the statement period. Dividends are calculated on an average daily balance method, compounded, and credited monthly. Fees may reduce earnings.

    2La Cap Choice Checking APY = Annual Percentage Yield. The minimum deposit to open is $50.00. Dividend rates are accurate as of 8/2/2021 and subject to change without notice. $8.00 monthly service charge for low balance fee is waived with $1,000 average daily balance or 15 posted, non-ATM, debit card transactions during the statement period. The $2.00 monthly service charge for paper statements is waived; and ATM fee refunds up to $25 for fees assessed at ATMs not owned by La Cap FCU with online consent to enroll in Electronic Statements (eStatements). The qualification to earn the High Yield APY disclosed is 15 posted, non-ATM, debit card transactions during the statement period. Choice Checking is a tiered rate account paying up to 4.25% APY on balances up to $3,000; 2.00% APY on balances over $3,000 to $10,000; 0.10% APY on balances over $10,000. 0.10% APY on the entire balance will apply if qualification is not met in the statement period. Dividends are calculated on an average daily balance method, compounded, and credited monthly. Fees may reduce earnings. Only one Choice Checking per membership.

  • 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 0.10%  $5.00 $100.00 1 Monthly $100.00
    Special Savings 0.10%  $100.00 $100.00 Monthly $100.00
    Christmas Club Savings 0.10%   $25.00 $100.00 Monthly $100.00
    Vacation Club Savings 0.10%   $25.00 $100.00 Monthly $100.00
    Elite Saver Savings 2 0.20%  $100.00 $5000.00 Monthly $5000.00
    Youth Savings3 0.10% $25.00 $100.00 3
    Fee waived for account owners under 17 years of age
    Monthly $100.00
    Coverdell Education Savings 0.25%  $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.

    3The minimum opening balance required is $25. At account opening, La Cap will deposit an additional $25 into the account. A balance of $100 will accrue dividends. Monthly service fees are waived for account owner's under 17 years of age. At age 17, monthly service fees apply.

  • 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 1.51% 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.

    16 Month   1
    Min. Opening Deposit APY Term Dividends Credited
    $1,000.00 3.49%   16 Months At Maturity

    1 Special Certificate with One-Time Bump. Limited Time Offer for terms of 16 months and 26 months one-time rate bump. Membership is required and subject to approval. Membership requires a $5.00 par share balance. APY = Annual Percentage Yield. Rates are accurate as of 8/4/2022. La Cap FCU reserves the right to end or modify this offer at any time. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. A withdrawal will reduce earnings. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The advertised Dividend Rates and APYs apply to new deposits; funds currently on deposit in a La Cap account are not eligible for this offer. The minimum opening deposit for the 16-month and 26-month Special Certificates is $1,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Early withdrawal penalty may apply for withdrawals before maturity. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends. During the term of the 16-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the 1-year Thrifty Saver Certificate or 1-year Super Saver Share Certificate. During the term of the 26-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective rate of the 2-year Thrifty Saver Certificate or 2-year Super Saver Certificate. The minimum opening deposit amount of the Thrifty Saver Certificates and Super Saver Certificates must be met to adjust to the effective rate. The new dividend rate will be paid for the remaining term of the special share certificate. The term of the special share certificate will remain the same. At maturity, the special share certificate will not auto-renew, the certificate will be closed and the balance will be deposited into a transaction account. Federally insured by NCUA.

    26 Month  1
    Min. Opening Deposit APY Term Dividends Credited
    $1,000.00 3.59%   26 Months  At Maturity

    1 Special Certificate with One-Time Bump. Limited Time Offer for terms of 16 months and 26 months one-time rate bump. Membership is required and subject to approval. Membership requires a $5.00 par share balance. APY = Annual Percentage Yield. Rates are accurate as of 8/4/2022. La Cap FCU reserves the right to end or modify this offer at any time. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. A withdrawal will reduce earnings. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The advertised Dividend Rates and APYs apply to new deposits; funds currently on deposit in a La Cap account are not eligible for this offer. The minimum opening deposit for the 16-month and 26-month Special Certificates is $1,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Early withdrawal penalty may apply for withdrawals before maturity. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends. During the term of the 16-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the 1-year Thrifty Saver Certificate or 1-year Super Saver Share Certificate. During the term of the 26-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective rate of the 2-year Thrifty Saver Certificate or 2-year Super Saver Certificate. The minimum opening deposit amount of the Thrifty Saver Certificates and Super Saver Certificates must be met to adjust to the effective rate. The new dividend rate will be paid for the remaining term of the special share certificate. The term of the special share certificate will remain the same. At maturity, the special share certificate will not auto-renew, the certificate will be closed and the balance will be deposited into a transaction account. Federally insured by NCUA.

    Thrifty Saver 1
    Min. Opening Deposit APY APY with La Cap Checking 1 Term Dividends Credited
    $1,500.00 2.27%  2.68%  1 Year Monthly
    $1,000.00 2.38% 2.78%  2 Year Monthly
    $500.00 2.78%  3.20%  3 Year Monthly
    $500.00 2.89%  3.30%  4 Year Monthly
    $500.00 2.99%  3.40%  5 Year Monthly

    1 Membership is required. APY = Annual Percentage Yield. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on the assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. . The minimum opening deposit for Thrifty Saver Share Certificates varies by term: 1 year = $1,500.; 2 year = $1,000.00; 3, 4, & 5 year = $500.00. The minimum opening deposit for Super Saver Share Certificates for all terms is $100,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Certificates will automatically renew at rates effective at the time of renewal. An early withdrawal penalty may apply for withdrawals made before the maturity of the certificate.  For the Thrifty Saver and Super Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking is closed before the certificate matures, the certificate rate and APY will decrease to the current rate, and APY available for the certificates without a checking. Federally insured by NCUA.

    Super Saver 1
    Min. Opening Deposit APY APY with La Cap Checking 1 Term Dividends Credited
    $100,000.00 2.38%  2.78%  1 Year Monthly
    $100,000.00 2.48%  2.89%  2 Year Monthly
    $100,000.00 2.89%  3.30%  3 Year Monthly
    $100,000.00 2.99%  3.40%  4 Year Monthly
    $100,000.00 3.09%  3.51%  5 Year Monthly

    1 Membership is required. APY = Annual Percentage Yield. The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on the assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. . The minimum opening deposit for Thrifty Saver Share Certificates varies by term: 1 year = $1,500.; 2 year = $1,000.00; 3, 4, & 5 year = $500.00. The minimum opening deposit for Super Saver Share Certificates for all terms is $100,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Certificates will automatically renew at rates effective at the time of renewal. An early withdrawal penalty may apply for withdrawals made before the maturity of the certificate.  For the Thrifty Saver and Super Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking is closed before the certificate matures, the certificate rate and APY will decrease to the current rate, and APY available for the certificates without a checking. Federally insured by NCUA.

  • 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 2.43% 2.84% $5,000.00 Monthly 2 Years $5,000.00
    Certificate Account 2.53% 2.94% $20,000.00 Monthly 2 Years $20,000.00
    Floating Rate Account 0.25% 0.25% $0.00 Monthly --- ---
    Bonus IRA Account3 5.00% --- $0.00 Monthly Dec. 31 of contribution year ---

    1 APY = Annual Percentage Yield.

    2 Receive an additional 0.40% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional 0.40% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional 0.40% 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 and transfers 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.