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(toNumber(savingsGoal)) ]] over [[ savingsTermYears ]] years:
| Deposit Date | Deposit Amount | Interest | Total Interest | Balance |
|---|---|---|---|---|
| [[ deposit.date ]] | [[ deposit.deposit ]] | [[ 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: 01/01/26 and subject to change without notice. The $15.00 monthly service charge for a low balance is waived with a $2,500.00 minimum daily balance in the statement period. Dividends are calculated on an average daily balance method, compounded, and credited monthly. Fees may reduce earnings. Effective Date: 01/01/26
2 1. Qualifications – Elite Saver Plus Accounts are available only to credit union members with a Choice Checking or Liquid Assets Account. If your Choice Checking or Liquid Assets Account is closed, your Elite Saver Plus Account will be converted to a Regular Savings (Share) Account. Minimum opening balance is $10,000.00. 2. Tiered Rate APY – The Annual Percentage Yield for your account is determined by the applicable rate tier. Elite Saver Plus Account is a tiered rate account. Tier 1, required balance: $10,000.00 - $99,999.99, 1.5% APY; Tier 2, required balance: $100,000.00 - $249,999.99, 1.00% APY; and Tier 3, required balance: $250,000 and higher, 0.5% APY. RATES — The rates provided in or with the Rate Schedule are accurate as of the effective date indicated in the Truth-in-Savings Disclosure. If you have any questions or require current rate information on your accounts, please contact the Credit Union. Determination of Rate - At our discretion, we may change the interest rate on your account at any time. Frequency of Rate Change - We may change the interest rate on your account at any time. Dividend Compounding and Crediting – Dividends on all accounts are compounded and paid monthly. Dividends are calculated by the Daily Balance method for the entire dividend period. Dividends will begin to accrue on the business day you deposit cash and non-cash items (for example, checks) to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. A minimum balance of $10,000.00 is required to earn the stated APY. No interest is earned on account balances less than $10,000.00. 3. Rate Information – 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. The Dividend Rates and Annual Percentage Yields are the rates and yields as of the dividend declaration date set forth below. These rates are subject to change as determined by the Credit Union’s Board of Directors. The Elite Saver Plus account is a tiered rate account. 4. Fees – A fee of $25.00 per month will be assessed on any Elite Saver Plus Account when the balance falls below $10,000.00 any day during the month. The $2.00 per month statement fee is waived for members under 17 years of age or over 60 years of age and for any member enrolled in electronic statements. Withdrawal Limitations – There are no limitations on withdrawals from Elite Saver Plus Accounts. Withdrawals will decrease the APY earned.
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. Effective Date: 10/09/2026