Personal Savings Accounts

   

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 or Liquid Assets Checking account, our Elite Saver offers a higher annual percentage yield with a low opening balance. Ideal for long-term saving.*

    • 0.20% 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

    Open Account

    *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.

  • 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!

    • 0.10% Annual Percentage Yield
    • $5 Minimum Opening Balance
    • $100 Minimum Balance* to Avoid Service Fee
    • $100 Minimum Balance to Earn Dividends
    • Dividends Compounded/Credited Monthly

    Open Account

    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.

  • 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.

    • 0.10% Annual Percentage Yield
    • $100 Minimum Opening Balance
    • $100 Minimum Balance to Avoid Service Fee
    • $100 Minimum Balance to Earn Dividends
    • Dividends Compounded/Credited Monthly

    Open Account

    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.

  • 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.

    • 0.10% 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  Learn More

    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.

  • Vacation Club

    Start preparing for vacation early with direct deposits to your Vacation Club account. Then, on May 1, funds will automatically be transferred to your Regular Savings account, so you can shop, shop, shop. Vacation Club accounts can be opened at any time of year.

    • 0.10% 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  Learn More

    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 Vacation 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 May 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.

  • Youth Savings

    We believe it is important to teach children to save, so we’ll help them with a $25 opening deposit* and bonuses along the way when they open a Youth Savings account. When it comes to your kids, it’s never too early to start saving for the future. Even depositing a few dollars a month will help your child learn how easy saving can be and teach them good financial habits for life.

    • We’ll deposit an additional $25 in the account when you open it*
    • No monthly service charges*
    • Access to online banking and Remote Deposit

    What You Need to Get Started

    The account will be opened in your child’s name, social security number, and date of birth. You, the child’s parent or legal guardian will be listed as the joint account owner.

    You will also need to provide proof that you are the child’s parent or legal guardian. You can open the account at your local branch with a little documentation.

    If you are not the parent or legal guardian and would like to open a minor account, you will need to have the parent or legal guardian complete an Affidavit for a Minor form which grants you permission to open the minor account.

    Documents You’ll Need

    • Minor’s Identification (one of the following) - Social Security Card, school identification card, birth certificate, passport, Driver’s License/Permit or state issued ID
    • Parental Guarantee of a Minor form (Click to open)
    • Your Identification - Driver’s License or state issued ID.
    • A completed membership application for the minor.
    • Affidavit for a Minor form (Click to open)

    Open an account at your local branch.

    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. One free withdrawal per month.

    *The minimum opening balance required is $25. At account opening, La Cap will deposit an additional $25 into the account. A balance of $100 will accrue dividends. Monthly service fees are waived for account owner's under 17 years of age. At age 17, monthly service fees apply.

  • 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.

    • 0.25% Annual Percentage Yield
    • $0 Minimum Opening Balance
    • No Minimum Balance to Avoid Fees

    Open Account


Personal Saving Calculator

 

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