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IRAs

 

IRAs01-01-2013
Traditional & Roth IRA APY1 APY with La Cap Checking2 Min. Opening Balance Dividend Credited Term Min. Balance to Earn Dividends
Certificate Account 0.30% 0.80% $5,000.00 Monthly 2 Years $5,000.00
Certificate Account 0.30% 0.80% $20,000.00 Monthly 2 Years $20,000.00
Floating Rate Account 0.30% 0.30% $0.00 Monthly --- ---
IRA Plus Account3 0.30% 4.0% $0.00 Monthly Dec. 31 of contribution year ---
Education Savings Account APY APY with La Cap Checking Min. Opening Balance Dividend Credited Term Min. Balance to Earn Dividends
Floating Rate Account 0.30% 0.30% $0.00 Monthly --- ---
1APY = Annual Percentage Yield.
2Receive an additional .50% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional .50% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional .50% will be removed from the certificate. Offer subject to change without notice.
3IRA Plus is a term share account. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. In order to maintain the rate you receive on an IRA Plus, a checking account must remain open until maturity. If the checking account is closed before maturity, the IRA Plus rate will revert to the current IRA floating rate for the remainder of the term. 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 an IRA Plus account or to obtain the disclosed APY. IRA rollovers 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.

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All Access Advantage Checking
You could be earning 4.25% APY* on the money in your checking account.