Personal Loans


Lending Done Right

When you get a personal loan from La Cap, low rates and flexible payment plans are par for the course. We offer signature loans, perfect for those times you need a little extra cash in your life, and secured loans, a flexible and economical way to borrow money, without impacting your dividend earnings.

Signature Loans

Take a vacation, do some remodeling or consolidate your debt — whatever you want or need. The process is quick and easy, and our rates* are tough to beat. Apply now to get that little extra bit of cash you need.

  • Interest rates vary, depending on your account balance and your overall credit performance.
  • Maximum dollar amount borrowed is determined by individual’s creditworthiness.

Current Member:
Apply Now
  Not a member yet?
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  • Signature Loan Rates

    Signature Loans (Personal / Unsecured)2


    Loan Amount1 APR As Low As Term (up to)
    $1,001 - $2,500 8.99% 24 Months
    $2,501 - $5,999 8.99% 36 Months
    $6,000 - $9,999 8.99% 48 Months
    $10,000 - $14,999 9.49% 48 Months
    $15,000 & above 9.99% 60 Months

    1 Maximum dollar amount and interest rate are determined by individual's creditworthiness and the loan term.

    2With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    Line of Credit Loan1


    APR As Low As

    1 Credit limit determined by individual's creditworthiness.

Secured Loans

Instead of taking money out of your savings or certificate account (which impacts your dividends), consider a secured loan. You pledge an amount from your account equal to the amount you want to borrow. Pledged dollars remain in your account and continue to earn dividends while securing your loan. You can even tailor your payment amount to fit into your budget.

Current Member:
Apply Now
  Not a member yet?
Apply Here

  • Secured Loan Rates

    Share Secured or Certificate Secured Loan
    Savings Account Loan


    Term APR2
    Choice of repayment terms, not to exceed 10 years 3.25%1

    1 The Annual Percentage Rate will be 3% above the offered rate on the deposit type account being pledged to secure the loan. Should the balance of more than one deposit type account be used to secure the loan, the APR will be the higher dividend rate, plus 3%.

    2 Rate subject to change if the rate on the deposit type account being pledged changes.


*APR = Annual Percentage Rate. Offer available to qualified creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for depends on a review of your credit history. Certain conditions apply. Rate subject to change without notice. Membership eligibility required. Ask for complete details.

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