Personal Savings

   

Saving Means Earning

What if increasing your earning power were as simple as setting up your direct deposit? Well, wonder no more! Each of our personal savings accounts shares dividends with members, and between low opening balances and accounts customizable to your goals, we’ve got something sure to suit your needs. Compare our rates to those of larger financial institutions, and there’s simply no comparison:

  • Elite Saver

    Take your earning potential to the next level. Available exclusively to members with a Choice Plus, Choice or Liquid Assets Checking account, our Elite Saver offers a higher annual percentage yield with a low opening balance. Ideal for long-term saving.*

    • 0.25% Annual Percentage Yield
    • $100 Minimum Opening Balance
    • $5,000 Minimum Balance to Avoid Low Balance Fee**
    • $5,000 Minimum Balance to Earn Dividends
    • Dividends Compounded/Credited Monthly


    *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 Plus, 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.

    Open Account

  • Regular Savings

    Straight-up savings. Simple as that. This is the primary savings account every member of La Capitol gets upon joining. Regular Share goes hand in hand with many of the services you’ll enjoy as a member—including a share that gives you a voice in La Cap’s future!

    • 0.15% Annual Percentage Yield
    • $5 Minimum Opening Balance
    • $100 Minimum Balance* to Avoid Service Fee
    • $100 Minimum Balance to Earn Dividends
    • Dividends Compounded/Credited Monthly

     

    La Cap Savings (Share) 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 earned are posted and compounded monthly. Each day your account balance exceeds $100.00, you earn dividends on the entire balance. Applicable fees and conditions could reduce the earnings on your account.

    * The monthly service fee on Regular Savings accounts is waived if there is an active loan account or certificate account.

    Open Account

  • Special Savings

    Planning a vacation? Earmarking income tax payments? Set aside funds for fun or long-term responsibilities with a Special Savings account, the account that empowers you to save with purpose.

    • 0.15% Annual Percentage Yield
    • $100 Minimum Opening Balance
    • $100 Minimum Balance to Avoid Service Fee
    • $100 Minimum Balance to Earn Dividends
    • Dividends Compounded/Credited Monthly

    La Cap Savings (Share) 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 earned are posted and compounded monthly. Each day your account balance exceeds $100.00, you earn dividends on the entire balance. Applicable fees and conditions could reduce the earnings on your account.

    Open Account

  • Christmas Club

    Get (way) ahead of the holiday rush with direct deposits to your Christmas Club account. Then, on Nov. 1, funds will automatically be transferred to your Regular Savings account, so you can shop, shop, shop. Christmas Club accounts can be opened at any time of year.

    • 0.15% Annual Percentage Yield
    • $25 Minimum Opening Balance
    • $100 Minimum Balance to Avoid Service Fee
    • $100 Minimum Balance to Earn Dividends
    • Dividends Compounded/Credited Monthly

    Open Account

    Minimum balance to open - $25.00. Beginning 90 days after account opening, a low balance fee will be assessed each month that the account has a balance of less than $100. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. You may make unlimited additions into your account. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before the end of the club term, then this account may be closed. If a Christmas Club Savings account is closed before the end of the club term, it cannot be reopened until January 1st of the following year. An early withdrawal fee of $25.00 will be charged for each withdrawal before the end of the club term. Any funds in the account will transfer to the primary share account on November 1st of each year, regardless of account opening date.

    La Cap Savings (Share) 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 earned are posted and compounded monthly. Each day your account balance exceeds $100.00, you earn dividends on the entire balance. Applicable fees and conditions could reduce the earnings on your account.

  • Coverdell Education

    A Coverdell ESA is a trust or custodial account created or organized in the United States only for the purpose of paying the qualified education expenses of the Designated beneficiary of the account. For more information, visit irs.gov.

    • 0.30% Annual Percentage Yield
    • $0 Minimum Opening Balance
    • No Minimum Balance to Avoid Fees

    Open Account

 


Personal Saving Calculator

 

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