Secure Your Future with Share Certificates
Whether you’re looking to lock in a rate from 91-days or even up to 5 years, we have options for you. You can earn up to 4.50% APY* with our 37-Month Share Certificate. Take control of your savings starting today.
- 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.
- Avoid early withdrawal penalties if your money stays put.
- Earn higher dividends on money you can afford not to touch for the term of the share certificate.
Better Savings Together: Share Certificates + Companion Savings
Make the most of your savings with two accounts working together. When you open a La Cap Share Certificate with a term of 12 months or longer, you can also open a separate, high-yield Companion Savings Account earning 3.25% APY1. Your Share Certificate earns its advertised rate, while your Companion Savings Account earns a competitive variable rate with the flexibility to access your funds when needed.
You can match your Share Certificate deposit with up to the same amount in Companion Savings. For example, a $10,000 Share Certificate lets you deposit up to $10,000 into your separate Companion Savings Account.
Companion Savings Benefits:
- Earn 3.25% APY1 on your Companion Savings Account
- Available when opening any qualifying Share Certificate of 12 months or longer
- $1,500 minimum opening deposit
- Unlimited free withdrawals
- No additional deposits after opening
Learn About Other Share Certificate Options
Put your savings to work and watch your money grow.
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91-Day Share Certificate
Minimum Opening Deposit: $5,000
Annual Percentage Yield (APY): 2.25%
Dividends Posted: At Maturity
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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. Effective Date: 10/09/2026
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6-Month Share Certificate
Minimum Opening Deposit: $2,500
Annual Percentage Yield (APY): 3.50%
Dividends Posted: Monthly
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New member? Open an account. Already a member? Add a 6-Month Share Certificate today!
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. Effective Date: 10/09/2026
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Thrifty Saver (Opening Deposits of $500 or More)
Thrifty Saver Share Certificate 1, 2 Effective Date: 10/09/2026 Minimum Opening Deposit Annual Percentage Yield (APY)2 APY with La Cap Checking2 Term Dividends Credited $1,500.00 3.75% 4.15% 1 Year Monthly $1,000.00 3.85% 4.25% 2 Years Monthly $500.00 3.95% 4.35% 3 Years Monthly $500.00 4.00% 4.40% 4 Years Monthly $500.00 4.05% 4.45% 5 Years Monthly 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 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. Effective Date: 10/09/2026
2Membership 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, Super Saver, and Mega Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking account 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 account. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends and Terms of 3 years or more 365 days' dividends. During the term of the Mega Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the Mega Share Certificate of the same term limit as your Mega Share Certificate. 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. Federally insured by NCUA. Effective Date: 10/09/2026
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Mega Saver with One-Time Bump (Opening Deposits of $100,000 or More)
Mega Saver Share Certificate with One-time Bump 1,2 Effective Date: 10/09/2026 Minimum Opening Deposit Annual Percentage Yield (APY) 2 APY with La Cap Checking2 Term Dividends Credited $100,000.00 3.80% 4.20% 1 Year Monthly $100,000.00 3.90% 4.30% 2 Years Monthly $100,000.00 4.00% 4.40% 3 Years Monthly $100,000.00 4.05% 4.45% 4 Years Monthly $100,000.00 4.10% 4.50% 5 Years Monthly 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 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. Effective Date: 10/09/2026
2Membership is required and subject to approval. Membership requires a $5.00 par share balance. 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. The minimum opening deposit for Mega 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, Super Saver, and Mega Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking account 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 account. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends and Terms of 3 years or more 365 days' dividends. During the term of the Mega Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the Mega Share Certificate of the same term limit as your Mega Share Certificate. 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. Federally insured by NCUA.
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Super Saver (Opening Deposits of $100,000 or More)
Super Saver Share Certificate 1, 2 Effective Date: 10/09/2026 Minimum Opening Deposit Annual Percentage Yield (APY)2 APY with La Cap Checking2 Term Dividends Credited $100,000.00 3.85% 4.25% 1 Year Monthly $100,000.00 3.95% 4.35% 2 Years Monthly $100,000.00 4.05% 4.45% 3 Years Monthly $100,000.00 4.10% 4.50% 4 Years Monthly $100,000.00 4.15% 4.55% 5 Years Monthly 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 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. Effective Date: 10/09/2026
2Membership 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, Super Saver, and Mega Saver Certificate accounts, you will earn a higher rate and APY when the same membership includes an open checking account. If the checking account 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 account. The penalty schedule is Terms of 1 year to less than 3 years 180 days’ dividends and Terms of 3 years or more 365 days' dividends. During the term of the Mega Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the Mega Share Certificate of the same term limit as your Mega Share Certificate. 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. Federally insured by NCUA. Effective Date: 10/09/2026
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Disclosures
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. Effective Date: 10/09/2026
*15-Month Share Certificate Special. Membership is required and subject to approval. Membership requires a $5.00 par share balance. La Cap FCU reserves the right to end or modify this offer at any time. Annual Percentage Yield = APY. The minimum deposit to earn the stated APY is $5,000. 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. At maturity, the 15-month Special Share Certificate will renew as a 1-year Thrifty Saver certificate, 1-year Super Saver certificate, or 1-year Mega Saver certificate - minimum balance requirements apply. Federally insured by NCUA. Effective Date: 8/07/2026
**37-Month Share Certificate Special. Membership is required and subject to approval. Membership requires a $5.00 par share balance. La Cap FCU reserves the right to end or modify this offer at any time. Annual Percentage Yield = APY. The minimum deposit to earn the stated APY is $500. 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. At maturity, the 37-month Special Share Certificate will renew as a 36-month Thrifty Saver certificate, 36-month Super Saver certificate, or 36-month Mega Saver certificate - minimum balance requirements apply. Federally insured by NCUA. Effective Date: 8/31/2026
1La Cap Savings (Share) Accounts are variable rate accounts, and the rate may change after the account is opened. APY = Annual Percentage Yield. Companion Savings Account is only available to members who open a separate Share Certificate Account with a term of 12 months and greater. Companion Savings Account must be opened within 10 days of the Share Certificate Account. Minimum initial deposit for the Companion Savings Account is $1,500.00. The maximum initial deposit may be no greater than the balance of the separate Share Certificate Account. Once opened, no additional deposits may be made into the Companion Savings Account. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends earned are posted and compounded monthly. Each day your account balance exceeds $1,500.00, you earn dividends on the entire balance. Applicable fees and conditions could reduce the earnings on your account.Membership required. Federally insured by NCUA. Effective Date: 10/1/22