Share Certificates

   

Earn More in the Long Run

Lock in quality rates for long-term savings with a share certificate, which is comparable to CDs from traditional financial institutions. You’ll earn higher dividends than our already competitive savings accounts.

Plus, if your money stays put, you’ll avoid early withdrawal penalties. So 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.

  • 91-Day Share Certificate*

    Minimum Opening Deposit: $5,000

    Annual Percentage Yield (APY): 0.40%

    Dividends Posted: At Maturity

    Open Account

    * 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.

  • 6-Month Share Certificate**

    Minimum Opening Deposit: $2,500

    Annual Percentage Yield (APY): 1.51%

    Dividends Posted: Monthly

    Open Account

    ** 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.

  • 16-Month Share Certificate

    Minimum Opening Deposit: $1,000

    Annual Percentage Yield (APY): 3.49%

    Dividends Posted: Monthly

    Open Account

    Special Certificate with One-Time Bump. Limited Time Offer for terms of 16 months and 26 months one-time rate 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 8/4/2022. 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 special share certificate will not auto-renew, the certificate will be closed and the balance will be deposited into a transaction account. Federally insured by NCUA.

  • 26-Month Share Certificate

    Minimum Opening Deposit: $1,000

    Annual Percentage Yield (APY): 3.59%

    Dividends Posted: Monthly

    Open Account

    Special Certificate with One-Time Bump. Limited Time Offer for terms of 16 months and 26 months one-time rate 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 8/4/2022. 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 special share certificate will not auto-renew, the certificate will be closed and the balance will be deposited into a transaction account. Federally insured by NCUA.

  • Thrifty Saver (Opening Deposits of $500 or More)

    4-1-2018

    Thrifty Saver1
    Min. Opening Deposit APY APY with La Cap Checking1 Term Dividends Posted
    $1,500.00 2.27% 2.68% 1 Year Monthly
    $1,000.00 2.38% 2.78% 2 Years Monthly
    $500.00 2.78% 3.20% 3 Years Monthly
    $500.00 2.89% 3.30% 4 Years Monthly
    $500.00 2.99% 3.40% 5 Years Monthly

    Open Account

    1Membership 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 (Opening Deposits of $100,000 or More)

    4-1-2018

    Super Saver1
    Min. Opening Deposit APY APY with La Cap Checking1 Term Dividends Posted
    $100,000.00 2.38% 2.78% 1 Year Monthly
    $100,000.00 2.48% 2.89% 2 Years Monthly
    $100,000.00 2.89% 3.30% 3 Years Monthly
    $100,000.00 2.99% 3.40% 4 Years Monthly
    $100,000.00 3.09% 3.51% 5 Years Monthly

    Open Account

    1Membership 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.