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 APYs 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. 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.