Whether you want to make short term investment or long term investments, we have an option for you. Our Liquid Assets account, Individual Retirement Accounts (IRAs), and Share Certificates will give you a chance to save while feeling secure in your investments.
Liquid Assets1
If you maintain a balance of $2,500 or more, open a Liquid Assets account to earn dividends on the full dollar amount every single day.
- $2,500 minimum balance required
- Elite Saver2 account available
Individual Retirement Account (IRA)
Plan for a more predictable and comfortable retirement with a La Capitol IRA. Select from our traditional IRA, a Roth IRA for higher income brackets or a Bonus IRA account, that awards extra earnings to members with a La Cap checking account.
Share Certificates3
Lock in quality rates for long-term savings with a share certificate, which is comparable to CDs offered by banks. You’ll earn higher dividends than our already competitive savings accounts.
Investment Goal Calculator
What will it take to reach your investment goal? Use this investment goal calculator to determine how much your investment might grow before taxes, after taxes and after taxes and inflation. It will also provide suggestions on what to change if your plan doesn't look like it will meet your investment goal.
*Compounded Monthly
Monthly deposit required:
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To make that monthly deposit, you should set aside:
Savings schedule for [[ formatCurrency(savingsGoal) ]] over [[ savingsTermYears ]] years:
| Deposit Date | Deposit Amount | Interest | Total Interest | Balance |
|---|---|---|---|---|
| [[ deposit.date ]] | [[ formattedMonthlyDepositAmount ]] | [[ deposit.interest ]] | [[ deposit.totalInterest ]] | [[ deposit.balance ]] |
Disclosure
1 La Cap Liquid Asset Checking - The minimum deposit to open is $2,500.00. The dividend rate is 0.10% accurate as of Effective Date: 6/1/23 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.
2 La Cap Elite Saver (Share) Account is a variable rate account. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends earned are posted and compounded monthly. Applicable fees and conditions could reduce the earnings on your account. Account available only to members who have a Choice or Liquid Assets checking account. If during any month your balance falls below the required minimum daily balance, your Elite Saver account will be subject to a low balance fee of $5.00.
3 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.