Membership has its rewards.
La Cap’s Membership Rewards program is our way of saying “thank you” for your continued loyalty and for choosing La Cap for your financial needs.
Over the past six years, La Cap has given nearly $2 million back to our members through our Membership Rewards program.
In 2026 alone, La Cap members received more than $289,000 through Membership Rewards!
Build your rewards with every account.
It all starts with your La Cap checking account—we’ll give you $20 just for using it.* Got a savings account, auto loan, or credit card? We’ll give you $10 for each of those.* And if you have your mortgage with us, you’ll get $30 each year.* So you’ll have the safety and security of great accounts that help improve your finances, and a little something extra in your pocket too.
Try our calculator to see what your reward could be!
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*Membership Rewards Disclosures
Reward Period: July 1st – June 30th
Qualifications: Members who meet the below qualifications will receive a reward payout in accordance with the payout schedule below. Consumer member, age 18 or older, with an active personal checking account with an average monthly daily balance of $1,000 or greater or a minimum of 10 posted debit card purchases each month (minimum of 10 months in 12-month period) during the Reward Period. Member must be enrolled in online banking and e-statements to qualify for rewards. Account must still be open on October 1 to qualify.
Ineligibility: The following are not eligible: members with a loan or deposit charge-off, those with a loan delinquent by 60 consecutive days or more during the Reward Period; business members and trust accounts with an EIN; business accounts under personal memberships.
Payout Schedule: Requires a personal checking account with an average monthly daily balance of $1,000 or greater or a minimum of 10 posted debit card purchases each month (minimum of 10 months in 12 month period) - $20 payout; savings account with a minimum balance of $1,000 (excludes IRAs and certificates) - $10 payout; auto loan with original loan amount of $15,000 or greater - $10 payout; credit card with minimum of 50 transactions in 12 month period - $10 payout; first mortgage or second mortgage with original loan amount $50,000 or greater - $30 payout. Reward posts to the member’s primary savings account by the first business date of October and may be reportable on IRS form 1099-INT.
Limitations: To receive reward, membership during the Reward Period and on the reward payment date is required. Account relationships, balances, and activity requirements are based on a single member number. Limit one checking and one savings account per member number. Program subject to change.
**This number is an estimate based on an eligible member with the following La Cap account types in good standing and meeting all program qualifications: 1 checking account, 1 savings account, 1 auto loan, 1 credit card, and 1 mortgage. Actual reward will be based on the individual member's accounts, eligibility, and qualifications.