Grow Your Savings
Grow your savings with greater returns when you take advantage of share certificates with a one-time bump. For a limited time, you can get 5.15% APY1 for 16 months or 5.50% APY1 for 26 months on our Bump Rate Share Certificates. These accounts guarantee the starting rate and offer a one-time bump if interest rates rise during the term of the certificate.
Other Share Certificates
Lock in quality rates for long-term savings with a share certificate, which is comparable to CDs offered by banks. You’ll earn higher dividends than our already competitive savings accounts.
You’ll also avoid early withdrawal penalties if your money stays put. Use these accounts to earn higher dividends on money you can afford not to touch for the term of the share certificate.
Simply consider your timeline and explore rates below.
La 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.
1 Special 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 2/21/2023. 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 $25,000.00. 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.