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Rates

Explore our current rates and see how credit unions can help you save.

  • Checking

    Checking Accounts
      Minimum Opening Balance Minimum Required Balance to Avoid Low Balance Fee Dividend Compounded and Credited Minimum Required Balance to Earn Dividends APY
    Liquid Assets Checking1 $2,500.00 $2,500.00 Monthly $2,500.00 0.10%
    Choice Checking2 $50.00 $1,000.00 2 Monthly NONE 1 Up to $10,0000.00   4.25%
    $10,000.01 + 0.10%

    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: 11/28/22 and subject to change without notice. The $8.00 monthly service charge for a low balance is waived with a $2,500.00 average daily balance in the statement period. Dividends are calculated on an average daily balance method, compounded, and credited monthly. Fees may reduce earnings.

    2 La Capitol Choice Checking and Choice Checking with BaZing - APY = Annual Percentage Yield. Membership is required = A Regular Savings Account with a $5.00 par balance. The minimum opening deposit required is $50.00. Rates are accurate as of Effective Date: 11/28/22 and subject to change without notice. The Choice Checking with BaZing is a tiered rate account Tier 1) Balances up to $10,000 earn an APY up to 4.25%; Tier 2) 10,000.01+ earn an APY range up to 0.10%. To qualify for the higher yields, you must have fifteen (15) debit card transactions, excluding ATM transactions, posted to your account before the end of the statement period. If the required debit card transactions do not post to your account before the end of the statement period, your entire account balance will earn .10% APY. A monthly low balance fee of $8.00 will be charged to the account when 1) the average daily balance falls below $1,000.00 anytime during the statement period; OR 2) 15 debit card transactions, excluding ATM transactions, do not post to the account by the end of the statement period. A monthly paper statement fee of $2.00 will be charged to the account unless 1) consent has been received and the account is enrolled to receive statements electronically, OR 2) the member is under 17 years old or over 60 years old. When you enroll to receive your statements electronically, you are eligible for a refund of ATM fees up to $25.00 charged for using an ATM not owned by La Capitol FCU. Dividends are calculated on a daily balance method, compounded, and credited monthly. The stated APYs are calculated using compounding dividends and are not guaranteed. La Capitol Federal Credit Union reserves the right to limit the number of Choice Checking and Choice Checking with BaZing accounts per membership, joint or individually. Federally insured by NCUA.

  • Savings

    Savings Accounts Effective Date: 10/1/22
    Account TypeAnnual Percentage YieldMinimum Opening BalanceMinimum Required Balance to Avoid Service FeeDividend Compounded and CreditedMinimum Required Balance to Earn Dividends
    Regular Savings0.10%$5.00$100.001Monthly$100.00
    Special Savings0.10%$100.00$100.00Monthly$100.00
    Christmas Club Savings0.10%$25.00$100.00Monthly$100.00
    Vacation Club Savings0.10%$25.00$100.00Monthly$100.00
    Elite Saver Savings20.20%$100.00$5000.00Monthly$5000.00
    Youth Savings30.10%$25.00$100.00 - Fee waived for account owners under 17 years of age3Monthly$100.00
    Coverdell Education Savings0.25%$0.00---Monthly---

    1The monthly service fee on Regular Savings accounts is waived if there is an active loan account or certificate account.

    2La 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.

    3The 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.

  • Share Certificates

    91-Day Share Certificate Effective Date: 11/29/2022
    Minimum Opening DepositAPYTermDividends Credited
    $5,000.002.00%91 DaysAt Maturity

    1La 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.

    6 Month Share Certificate Effective Date: 11/29/2022
    Minimum Opening DepositAPYTermDividends Credited
    $2,500.002.75%6 MonthsMonthly

    1La 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.

    16 Month Share Certificate with One-time Bump Effective Date: 11/29/2022
    Minimum Opening DepositAPYTermDividends Credited
    $1,000.004.39%16 MonthsAt Maturity

    1Special Certificate with One-Time Bump. Membership is required and subject to approval. Membership requires a $5.00 par share balance. APY = Annual Percentage Yield. Rates are accurate as of 11/29/2022. La Cap FCU reserves the right to end or modify this offer at any time. 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. A withdrawal will reduce earnings. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The advertised Dividend Rates and APYs apply to new deposits; funds currently on deposit in a La Cap account are not eligible for this offer. The minimum opening deposit for the 16-month and 26-month Special Certificates is $1,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Early withdrawal penalty may apply for withdrawals before maturity. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends. During the term of the 16-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the 1-year Thrifty Saver Certificate or 1-year Super Saver Share Certificate. During the term of the 26-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective rate of the 2-year Thrifty Saver Certificate or 2-year Super Saver Certificate. The minimum opening deposit amount of the Thrifty Saver Certificates and Super Saver Certificates must be met to adjust to the effective rate. The new dividend rate will be paid for the remaining term of the special share certificate. The term of the special share certificate will remain the same. At maturity, the 16-month Special Share Certificate will renew as a 1-year Thrifty Saver certificate or 1-year Super Saver certificate - minimum balance requirements apply. The 26-month Special Share Certificate will renew as a 2-year Thrifty Saver certificate or 2-year Super Saver certificate - minimum balance requirements apply. Federally insured by NCUA.

    26 Month Share Certificate with One-time Bump Effective Date: 11/29/2022
    Minimum Opening DepositAPYTermDividends Credited
    $1,000.004.49%26 MonthsAt Maturity

    1Special Certificate with One-Time Bump. Membership is required and subject to approval. Membership requires a $5.00 par share balance. APY = Annual Percentage Yield. Rates are accurate as of 11/29/2022. La Cap FCU reserves the right to end or modify this offer at any time. 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. A withdrawal will reduce earnings. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. The advertised Dividend Rates and APYs apply to new deposits; funds currently on deposit in a La Cap account are not eligible for this offer. The minimum opening deposit for the 16-month and 26-month Special Certificates is $1,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Early withdrawal penalty may apply for withdrawals before maturity. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends. During the term of the 16-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the 1-year Thrifty Saver Certificate or 1-year Super Saver Share Certificate. During the term of the 26-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective rate of the 2-year Thrifty Saver Certificate or 2-year Super Saver Certificate. The minimum opening deposit amount of the Thrifty Saver Certificates and Super Saver Certificates must be met to adjust to the effective rate. The new dividend rate will be paid for the remaining term of the special share certificate. The term of the special share certificate will remain the same. At maturity, the 16-month Special Share Certificate will renew as a 1-year Thrifty Saver certificate or 1-year Super Saver certificate - minimum balance requirements apply. The 26-month Special Share Certificate will renew as a 2-year Thrifty Saver certificate or 2-year Super Saver certificate - minimum balance requirements apply. Federally insured by NCUA.

    Thrifty Saver Share Certificate Effective Date: 11/29/2022
    Minimum Opening DepositAnnual Percentage Rate (APY)APY with La Cap CheckingTermDividends Credited
    $1,500.003.35%3.75%1 YearMonthly
    $1,000.003.55%3.95%2 YearsMonthly
    $500.003.70%4.10%3 YearsMonthly
    $500.003.80%4.20%4 YearsMonthly
    $500.003.85%4.25%5 YearsMonthly

    1La 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.

    2Membership is required. APY = Annual Percentage Yield. 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. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on the assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. . The minimum opening deposit for Thrifty Saver Share Certificates varies by term: 1 year = $1,500.; 2 year = $1,000.00; 3, 4, & 5 year = $500.00. The minimum opening deposit for Super Saver Share Certificates for all terms is $100,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Certificates will automatically renew at rates effective at the time of renewal. An early withdrawal penalty may apply for withdrawals made before the maturity of the certificate.  For the Thrifty Saver and Super Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking is closed before the certificate matures, the certificate rate and APY will decrease to the current rate, and APY available for the certificates without a checking. Federally insured by NCUA.

    Super Saver Share Certificate Effective Date: 11/29/2022
    Minimum Opening DepositAnnual Percentage Rate (APY)APY with La Cap CheckingTermDividends Credited
    $100,000.003.45%3.85%1 YearMonthly
    $100,000.003.65%4.05%2 YearsMonthly
    $100,000.003.80%4.20%3 YearsMonthly
    $100,000.003.90%4.30%4 YearsMonthly
    $100,000.003.95%4.35%5 YearsMonthly

    1La 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.

    2Membership is required. APY = Annual Percentage Yield. 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. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on the assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. . The minimum opening deposit for Thrifty Saver Share Certificates varies by term: 1 year = $1,500.; 2 year = $1,000.00; 3, 4, & 5 year = $500.00. The minimum opening deposit for Super Saver Share Certificates for all terms is $100,000.00. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Certificates will automatically renew at rates effective at the time of renewal. An early withdrawal penalty may apply for withdrawals made before the maturity of the certificate.  For the Thrifty Saver and Super Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking is closed before the certificate matures, the certificate rate and APY will decrease to the current rate, and APY available for the certificates without a checking. Federally insured by NCUA.

  • Individual Retirement Accounts (IRA)

    Individual Retirement Accounts (IRAs) Effective Date: 11/29/2022
    Traditional & Roth IRAAnnual Percentage Yield (APY)APY with La Cap Checking1Minimum Opening BalanceDividend CreditedTermMinimum Balance to Earn Dividends
    Certificate Account3.60%4.00%$5,000.00Monthly2 Years$5,000.00
    Certificate Account3.70%4.10%$20,000.00Monthly2 Years$20,000.00
    Floating Rate Account0.25%0.25%$0.00Monthly------
    Bonus IRA Account25.00%---$0.00MonthlyDec. 31 of contribution year ---

    1Receive an additional 0.40% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional 0.40% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional 0.40% will be removed from the certificate. Offer subject to change without notice.

    2Bonus IRA is a term share account. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. The APY is available on new contributions made to your account this year. The maturity date is December 31, of the year the contribution was made. No minimum balance is required to open a Bonus IRA account or to obtain the disclosed APY. IRA rollovers and transfers from another financial institution or retirement plan do not qualify for this special IRA Plus rate. Dividends earned are posted and compounded monthly. Applicable fees and conditions could reduce the earnings on your account. Substantial penalties for early withdrawal.

  • Home Loans / Mortgages

  • Personal Loans

    Personal Loans (Unsecured) Effective Date: 9/9/22
    Loan Amount1APR as low as2Term (up to)
    $1,001 - $2,5008.49%24 Months
    $2,501 - $5,9998.49%36 Months
    $6,000 - $9,9998.49%48 Months
    $10,000 - $14,9998.99%48 Months
    $15,000 & above9.49%60 Months

    1Maximum 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.

    Share Secured of Certificate Secured Loan Savings Account Loan Effective Date: 9/9/22
    TermAPR2
    Choice of repayment terms, not to exceed 10 years3.10%1

    1The 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%.

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

    Line of Credit Loan Effective Date: 9/9/22
    APR as low as1Credit Limit
    10.25%Determined by individual's creditworthiness.

    1APR = Annual Percentage Rate

  • Vehicle Loans

    New Vehicle - 2019 and Newer Model Years Effective Date: 11/08/22
    Term (up to)APR As Low As
    1 to 36 Months4.29%
    37 to 48 Months4.29%
    49 to 60 Months4.59%
    61 to 66 Months14.59%
    67 to 75 Months14.69%
    76 to 78 Months24.84%
    79 to 84 Months25.14%

    1Available on amounts $15,000 & above. Certain conditions apply.

    2Available on amounts $30,000 & above. Certain conditions apply.

    3With 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.


    Used Vehicle - 2018 and Older Model Years Effective Date: 11/08/22
    APR As Low AsAPR As Low As4
    Term (up to)2015-2018 Model Years2014 and Older Model Years
    1 to 36 Months5.29%27.293
    37 to 48 Months5.29%27.29%3
    49 to 60 Months5.59%27.59%3
    61 to 66 Months5.59%27.59%3
    67 to 75 Months5.69%2---

    1With 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.

    2Available on amounts $15,000 & above. Certain conditions apply.

    3Available on amounts $7,500 & above. Certain conditions apply.

  • Recreational Vehicle Loans

    New Boats - 2019 and newer models Effective Date: 11/18/2022
    Term (up to)APR as low as
    1 to 36 months7.29%
    37 to 48 months7.29%
    49 to 60 months7.59%
    61 to 72 months17.69%
    73 to 84 months18.14%
    85 to 120 months18.64%

    1Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

    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.

    Used Boats - 2015 to 2018 models Effective Date: 11/18/2022
    Term (up to)APR as low as
    1 to 36 months8.29%
    37 to 48 months8.29%
    49 to 60 months8.59%
    61 to 72 months18.69%
    73 to 84 months19.14%
    85 to 120 months19.64%

    1Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

    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.

    New, Used or Refinanced Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor Effective Date: 11/18/2022
    Loan AmountTerm (up to)1APR as low as
    Any Amount1 to 36 Months (3 yrs)6.29%
    Any Amount1 to 48 Months (4 yrs)6.29%
    Any Amount49 to 60 Months (5 yrs)6.59%
    Any Amount61 to 72 Months (6 yrs)6.69%
    over $25,00073 to 84 Months (7 yrs)7.14%
    over $40,00085 to 120 Months (10 yrs)27.64%
    over $65,000121 to 180 Months (15 yrs)28.64%
    over $100,000181 to 240 Months (20 yrs)29.64%

    1Loan amount for ATVs and Jet Skis must be $15,000.00 or greater for a 72 month term.

    2Maximum term for a motorcycle is 84 months.

    3With 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.

  • Visa Credit Cards

    Credit Card Interest Rates and Interest Charges Effective Date: 11/1/22
    Cash Back2Prime PlusRewards
    APR for Purchases13.25% to 16.25% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.9.25% to 18.0% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.13.25% to 18.0% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
    Introductory Offer for Balance Transfers0% interest on balance transfers for 12 months on balance transfers made in the first 90 days after account opening10% interest on balance transfers for 12 months on balance transfers made in the first 90 days after account opening10% interest on balance transfers for 12 months on balance transfers made in the first 90 days after account opening1
    Introductory Offer for Purchases0% interest on new purchases for 12 months on purchases made in the first 90 days after account opening11.99% interest on new purchases for 12 months on purchases made in the first 90 days after account opening11.99% interest on new purchases for 12 months on purchases made in the first 90 days after account opening1
    Introductory Bonus$150 when you spend at least $1,500 in eligible net purchases within 90 days of account opening3NoneNone
    Over-the-limit FeeNoneNoneNone
    Annual FeeNoneNoneNone

    1APR = Annual Percentage Rate. With Prime Plus and Rewards Visa’s the introductory APR of 1.99% for 12 billing cycles on eligible purchases made in the first 90-days from account opening. With Cash Back Visa, the introductory APR of 0.00% for billing cycles on eligible purchases made in the first 90-days from account opening. The introductory APR on balance transfers made in the first 90-days from account opening is 0.00% for 12 billing cycles. Cash advances are not eligible for either introductory rate. After that the variable rate as of 11/1/22 will be (9.25%-18.0% Prime Plus) (13.25%-16.25% Signature Cash Back) (13.25%-18.0% Rewards) based on your creditworthiness. Existing La Capitol credit card balances or loan accounts are excluded from this 0.00% balance transfer offer. Membership required and membership account with $5 par required for additional services. Additional restrictions may apply please contact a La Cap representative for complete details.

    2Earn a 1.00% rebate based on net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM transaction fees. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards. Additional restrictions may apply please contact a La Cap representative for complete details.

    3You will be eligible to earn a $150 bonus when you spend at least $1,500 in eligible net purchases within 90-days of from opening your new Visa Signature Cash Back. The purchase requirements and exclusions that apply to cash back rewards also apply to the bonus. This applies to new La Capitol Visa Signature Cash Back accounts only. Additional restrictions may apply please contact a La Cap representative for complete details.

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