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 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 0.30%  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 1.05% 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 1.85%  2.35%  1 Year Monthly
    $1,000.00 2.05% 2.55%  2 Year Monthly
    $500.00 2.10%  2.60%  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 1.95%  2.45%  1 Year Monthly
    $100,000.00 2.15%  2.65%  2 Year Monthly
    $100,000.00 2.20%  2.70%  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 0.30% 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.