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): 0.30%

    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): 1.05%

    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.

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

    4-1-2018

    Thrifty Saver1
    Min. Opening Deposit APY APY with La Cap Checking2 Term Dividends Posted
    $1,500.00 1.85% 2.35% 1 Year Monthly
    $1,000.00 2.05% 2.55% 2 Years Monthly
    $500.00 2.10% 2.60% 3 Years Monthly
    $500.00 2.30% 2.80% 4 Years Monthly
    $500.00 2.40% 2.90% 5 Years Monthly

    Open Account

    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 0.50% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional 0.50% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional 0.50% will be removed from the certificate. Offer subject to change without notice.

  • Super Saver (Opening Deposits of $100,000 or More)

    4-1-2018

    Super Saver1
    Min. Opening Deposit APY APY with La Cap Checking2 Term Dividends Posted
    $100,000.00 1.95% 2.45% 1 Year Monthly
    $100,000.00 2.15% 2.65% 2 Years Monthly
    $100,000.00 2.20% 2.70% 3 Years Monthly
    $100,000.00 2.40% 2.90% 4 Years Monthly
    $100,000.00 2.50% 3.00% 5 Years Monthly

    Open Account

    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 0.50% Annual Percentage Yield (APY) on share certificates if you have a La Capitol checking account. Additional 0.50% APY remains in effect for term of share certificate as long as checking account is open. If checking account is closed, the additional 0.50% will be removed from the certificate. Offer subject to change without notice.