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Savings & Checking

Savings Accounts12-25-2017
Annual Percentage Yield Minimum Opening Balance Minimum Required Balance to Avoid Service Fee Dividend Com- pounded and Credited Minimum Required Balance to Earn Dividends
Regular Savings 0.15% $5.00 $100.001 Monthly $100.00
Special Savings 0.15% $100.00 $100.00 Monthly $100.00
Christmas Club Savings 0.15% $25.00 $100.00 Monthly $100.00
Elite Saver Savings2 0.25% $100.00 $5000.00 Monthly $5,000.00
Coverdell Education Savings 0.30% $0.00 --- Monthly ---
1The monthly service fee on regular savings accounts is waived if there is an active loan account or certificate account.
2Account available only to members who have Choice Plus, Choice or Liquid Assets Checking account.

Checking Accounts04-07-2018
Annual Percentage Yield Minimum Opening Balance Minimum Required Balance to Avoid Low Balance Fee Dividend Compounded and Credited Minimum Required Balance to Earn Dividends
Liquid Assets Checking 0.15% $2,500.00 $2,500.00 Monthly $2,500.00
Choice Checking 4.25%1 $50.00 $1,000.002 Monthly NONE1
Choice Plus Checking 4.25%1 $50.00 $1,000.003 Monthly NONE1
1APY = Annual Percentage Yield. La Cap Checking (Share draft) 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 are posted and compounded monthly. Minimum balance $1,000.00. Applicable fees and conditions could reduce the earnings on your account. Qualification to earn dividends: - 15 (Choice Plus) or more posted non-ATM debit card transactions per month: - 4.25% APY on balances up to but not exceeding $3,000 - 2.00% APY on balances over $3,000 and up to but not exceeding $10,000 - 0.10% APY on balances exceeding $10,000. If qualification stated is not met: - 0.10% APY on entire balance. Must meet criteria for opening a checking account.
2La Cap Choice (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 20 or more posted non-ATM debit card transactions per month.
3La Cap Choice Plus (Share Draft) accounts have a minimum balance requirement of $1,000.00 and a low balance fee of $8.00. If average daily balance drops below $1,000.00, a low balance fee of $8.00 will be assessed. Low balance fee will be waived if the following condition is met during that same month: - 15 or more posted non-ATM debit card transactions per month.