What are the current interest rates at La Capitol Federal Credit Union?

Current rates for La Capitol Federal Credit Union include: 12-Month CD: 4.15%, 24-Month CD: 4.25%, 60-Month CD: 4.45%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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La Capitol Federal Credit Union

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La Capitol Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, La Capitol Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

La Capitol Federal Credit Union's top rates as of October 13, 2026 are 4.55% APY on its 5 Year Super Saver CD, 6.50% APY on checking, 6.12% on its Conventional Mortgages - 10 Year Fixed, personal loans from 9.99% APR, and credit cards from 11.75% APR, according to rates verified by MonitorBankRates. Other La Capitol Federal Credit Union CD rates include 37-Month CD at 4.50%, 4 Year Super Saver CD at 4.50%, and 2 Year Individual Retirement Accounts (IRAs) - CD Account at 4.45%. Other La Capitol Federal Credit Union mortgage rates include Conventional Mortgages - 15 Year Fixed at 6.25%, Conventional Mortgages - 20 Year Fixed at 6.50%, and Conventional Mortgages - 30 Year Fixed at 6.75%. MonitorBankRates evaluates the financial stability of La Capitol Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.48%. Rates last updated and verified on 10/13/2026.

La Capitol Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at La Capitol Federal Credit Union? Share your experience about La Capitol Federal Credit Union by leaving a review below, or read customer reviews before you decide to use La Capitol Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.48%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

La Capitol Federal Credit Union
Main Office

700 Main St
Baton Rouge, LA 70802-5501

https://www.lacapfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

La Capitol Federal Credit Union CD Rates

Product	Rate	APY	Term
5 Year Super Saver Share Certificate	-	4.55%	5 Years
Min Deposit $100,000 Details APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.55% ▲ 0.90 pts · high 4.55% / low 3.65% Oct 13, 20264.55%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
37-Month Share Certificate	-	4.50%	37 months
Min Deposit $500 Details 37-Month Share Certificate Special; APY printed as 'up to 4.50%' in summary; Dividends posted monthly; additional deposits not allowed during term Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 13, 20264.50%▲ from 4.00% Oct 9, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Super Saver Share Certificate	-	4.50%	4 Years
Min Deposit $100,000 Details APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.50% ▲ 0.90 pts · high 4.50% / low 3.60% Oct 13, 20264.50%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Individual Retirement Accounts (IRAs) - Certificate Account	-	4.45%	2 Years
Min Deposit $20,000 Min Balance $20,000 Details Traditional & Roth IRA; Dividend Credited: Monthly; APY with La Cap Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Super Saver Share Certificate	-	4.45%	3 Years
Min Deposit $100,000 Details APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55% Oct 13, 20264.45%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Individual Retirement Accounts (IRAs) - Certificate Account	-	4.35%	2 Years
Min Deposit $650 Min Balance $650 Details Traditional & Roth IRA; Dividend Credited: Monthly; APY with La Cap Checking Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Super Saver Share Certificate	-	4.35%	2 Years
Min Deposit $100,000 Details APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 4.35% ▲ 0.90 pts · high 4.35% / low 3.45% Oct 13, 20264.35%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
1 Year Super Saver Share Certificate	-	4.25%	1 Year
Min Deposit $100,000 Details APY with La Cap Checking; Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 4.25% ▲ 0.90 pts · high 4.25% / low 3.35% Oct 13, 20264.25%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
15-Month Share Certificate	-	4.20%	15 months
Min Deposit $5,000 Details APY printed as 'up to 4.20%'; Dividends posted monthly; 15-Month Share Certificate Special footnote: minimum deposit to earn stated APY is $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Super Saver Share Certificate	-	4.15%	5 Years
Min Deposit $100,000 Details Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65% Oct 13, 20264.15%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 5 Years	-	4.15%	5 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.65% Oct 13, 20264.15%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Super Saver Share Certificate	-	4.10%	4 Years
Min Deposit $100,000 Details Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Oct 13, 20264.10%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Mega Saver Share Certificate with One-time Bump	-	4.10%	5 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Oct 13, 20264.10%▲ from 3.60% Sep 29, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 4 Years	-	4.10%	4 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60% Oct 13, 20264.10%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Individual Retirement Accounts (IRAs) - Certificate Account	-	4.05%	2 Years
Min Deposit $20,000 Min Balance $20,000 Details Traditional & Roth IRA; Dividend Credited: Monthly; Standard APY (without La Cap Checking) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Super Saver Share Certificate	-	4.05%	3 Years
Min Deposit $100,000 Details Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 13, 20264.05%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Mega Saver Share Certificate with One-time Bump	-	4.05%	4 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 13, 20264.05%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Thrifty Saver Share Certificate	-	4.05%	5 Years
Min Deposit $500 Details Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 13, 20264.05%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 3 Years	-	4.05%	3 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 13, 20264.05%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Mega Saver Share Certificate with One-time Bump	-	4.00%	3 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 13, 20264.00%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Thrifty Saver Share Certificate	-	4.00%	4 Years
Min Deposit $500 Details Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 13, 20264.00%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Individual Retirement Accounts (IRAs) - Certificate Account	-	3.95%	2 Years
Min Deposit $650 Min Balance $650 Details Traditional & Roth IRA; Dividend Credited: Monthly; Standard APY (without La Cap Checking) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Super Saver Share Certificate	-	3.95%	2 Years
Min Deposit $100,000 Details Dividends Credited: Monthly; Effective Date: 10/09/2026; Super Saver (Opening Deposits of $100,000 or More) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45% Oct 13, 20263.95%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Thrifty Saver Share Certificate	-	3.95%	3 Years
Min Deposit $500 Details Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45% Oct 13, 20263.95%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 2 Years	-	3.95%	2 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45% Oct 13, 20263.95%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Mega Saver Share Certificate with One-time Bump	-	3.90%	2 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40% Oct 13, 20263.90%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Thrifty Saver Share Certificate	-	3.85%	2 Years
Min Deposit $1,000 Details Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35% Oct 13, 20263.85%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 1 Year	-	3.85%	1 Year
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35% Oct 13, 20263.85%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
1 Year Mega Saver Share Certificate with One-time Bump	-	3.80%	1 Year
Min Deposit $100,000 Details Effective Date: 10/09/2026; Dividends credited monthly; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal; One-time dividend rate adjustment permitted during term Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30% Oct 13, 20263.80%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
1 Year Thrifty Saver Share Certificate	-	3.75%	1 Year
Min Deposit $1,500 Details Dividends Credited: Monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 13, 20263.75%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
6 Month Share Certificate	-	3.50%	6 Months
Min Deposit $2,500 Details Effective Date: 10/09/2026; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
91-Day Share Certificate	-	2.25%	91 Days
Min Deposit $5,000 Details Dividends Credited: At Maturity; Effective Date: 10/09/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Savings Rates

Product	Rate	APY
Elite Saver Plus	-	1.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99; available only to members with a Choice Checking or Liquid Assets Account; $25.00 monthly fee if balance falls below $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Elite Saver Plus	-	1.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; available only to members with a Choice Checking or Liquid Assets Account; $25.00 monthly fee if balance falls below $10,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.00% ▼ 0.50 pts · high 1.50% / low 1.00% Oct 13, 20261.00%▼ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Elite Saver Plus	-	0.50%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00 and higher; available only to members with a Choice Checking or Liquid Assets Account; $25.00 monthly fee if balance falls below $10,000.00 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 0.50% ▼ 1.00 pts · high 1.50% / low 0.50% Oct 13, 20260.50%▼ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Checking Rates

Product	Rate	APY
Choice Checking	-	6.50%
Min Deposit $50 Min Balance $0 Details Qualifications Required: 15 debit card transactions with a minimum of $5.00 each, excluding ATM transactions, posted before the end of the statement period; Qualifying balance up to $10,000.00; Subject to approval; Membership requires $5.00 par balance in a primary savings account; Minimum required balance to avoid low balance fee: $1,000.00; Dividends compounded and credited monthly; Balances of $10,000.01 or greater earn a lower APY Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 6.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Choice Checking	-	6.50%
Min Deposit $50 Min Balance $1,000 Details Qualifications Required; Qualifying balance up to $10,000.00; Membership requires $5.00 par balance in a primary savings account; Earns 0.01% APY on entire balance if qualifying debit card transactions do not post; 65th anniversary promotional rate; Balance: $0.00 - $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Liquid Assets Checking	-	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Minimum required balance to avoid low balance fee: $2,500.00; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Mortgages - 10 Year Fixed	6.125%	0.000	6.245%	10 years
Details As Low As; Effective 10/09/2026; Origination 0% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 15 Year Fixed	6.25%	0.000	6.335%	15 years
Details As Low As; Effective 10/09/2026; Origination 0% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 20 Year Fixed	6.50%	0.000	6.569%	20 years
Details As Low As; Effective 10/09/2026; Origination 0% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.57% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 30 Year Fixed	6.75%	1.750	6.978%	30 years
Details As Low As; Effective 10/09/2026; Origination 1.75% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.98% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 30 Year Fixed	6.875%	0.750	7.003%	30 years
Details As Low As; Effective 10/09/2026; Origination 0.75% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 30 Year Fixed	7.00%	0.000	7.054%	30 years
Details As Low As; Effective 10/09/2026; Origination 0% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle - 2023 and Newer Model Years Loan	-	-	5.24%	1 to 36 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle - 2023 and Newer Model Years Loan	-	-	5.24%	37 to 48 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle - 2023 and Newer Model Years Loan	-	-	5.54%	49 to 60 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.54% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle - 2023 and Newer Model Years Loan	-	-	5.54%	61 to 66 Months
Details As Low As; Effective Date: 03/30/26; Available on amounts $15,000 & above Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.54% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle - 2023 and Newer Model Years Loan	-	-	5.64%	67 to 75 Months
Details As Low As; Effective Date: 03/30/26; Available on amounts $15,000 & above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.64% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle - 2023 and Newer Model Years Loan	-	-	5.79%	76 to 78 Months
Details As Low As; Effective Date: 03/30/26; Available on amounts $30,000 & above on current and one year prior models Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle - 2023 and Newer Model Years Loan	-	-	5.94%	79 to 84 Months
Details As Low As; Effective Date: 03/30/26; Available on amounts $30,000 & above on current and one year prior models Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.24%	1 to 36 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.24%	37 to 48 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.54%	49 to 60 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.54%	61 to 66 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.64%	67 to 75 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.24%	1 to 36 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.24%	37 to 48 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.54%	49 to 60 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.54%	61 to 66 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Prime Plus	-	11.75%
Details Published APR range: 11.75% to 18.00%. Intro rate expires: 12 months; Regular APR: 11.75% to 18.00% when you open your account, based on your creditworthiness, varies with the Prime Rate; Intro balance transfer 0% for 12 months on balance transfers made in the first 90 days after account opening Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Visa Cash Back	-	13.75%
Details Published APR range: 13.75% to 18.00%. Intro rate expires: 12 months; Regular APR: 13.75% to 18.00% when you open your account, based on your creditworthiness, varies with the Prime Rate; Intro balance transfer 0% for 12 months on balance transfers made in the first 90 days after account opening; Introductory bonus: $150 when you spend at least $1,500 in eligible net purchases within 90 days of account opening Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Visa Rewards	-	13.75%
Details Published APR range: 13.75% to 18.00%. Intro rate expires: 12 months; Regular APR: 13.75% to 18.00% when you open your account, based on your creditworthiness, varies with the Prime Rate; Intro balance transfer 0% for 12 months on balance transfers made in the first 90 days after account opening Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans (Unsecured)	9.99%	Up to 24 Months
Details As Low As; Loan Amount: $1,001 - $2,500; Effective Date: 10/1/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 9.34% → 9.99% ▲ 0.65 pts · high 9.99% / low 9.34% Oct 5, 20269.99%▲ from 9.34% Sep 17, 20269.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Personal Loans (Unsecured)	9.99%	Up to 36 Months
Details As Low As; Loan Amount: $2,501 - $5,999; Effective Date: 10/1/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 9.34% → 9.99% ▲ 0.65 pts · high 9.99% / low 9.34% Oct 5, 20269.99%▲ from 9.34% Sep 17, 20269.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Personal Loans (Unsecured)	9.99%	Up to 48 Months
Details As Low As; Loan Amount: $6,000 - $9,999; Effective Date: 10/1/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.84% → 9.99% ▲ 0.15 pts · high 9.99% / low 9.84% Oct 5, 20269.99%▲ from 9.84% Sep 14, 20269.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Personal Loans (Unsecured)	10.49%	Up to 48 Months
Details As Low As; Loan Amount: $10,000 - $14,999; Effective Date: 10/1/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.84% → 10.49% ▲ 0.65 pts · high 10.49% / low 9.84% Oct 5, 202610.49%▲ from 9.84% Sep 14, 20269.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Personal Loans (Unsecured)	10.99%	Up to 60 Months
Details As Low As; Loan Amount: $15,000 & above; Effective Date: 10/1/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.34% → 10.99% ▲ 0.65 pts · high 10.99% / low 10.34% Oct 5, 202610.99%▲ from 10.34% Sep 14, 202610.34%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
1 Year Mega Saver Share Certificate with One-time Bump - With La Cap Checking	-	-	4.20%	1 Year
Min Deposit $100,000 Details APY with La Cap Checking; Effective Date: 10/09/2026; Dividends credited monthly; Requires open La Cap checking account; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
1 Year Thrifty Saver Share Certificate - APY with La Cap Checking	-	-	4.15%	1 Year
Min Deposit $1,500 Details APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Mega Saver Share Certificate with One-time Bump - With La Cap Checking	-	-	4.30%	2 Years
Min Deposit $100,000 Details APY with La Cap Checking; Effective Date: 10/09/2026; Dividends credited monthly; Requires open La Cap checking account; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Thrifty Saver Share Certificate - APY with La Cap Checking	-	-	4.25%	2 Years
Min Deposit $1,000 Details APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Mega Saver Share Certificate with One-time Bump - With La Cap Checking	-	-	4.40%	3 Years
Min Deposit $100,000 Details APY with La Cap Checking; Effective Date: 10/09/2026; Dividends credited monthly; Requires open La Cap checking account; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Thrifty Saver Share Certificate - APY with La Cap Checking	-	-	4.35%	3 Years
Min Deposit $500 Details APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Mega Saver Share Certificate with One-time Bump - With La Cap Checking	-	-	4.45%	4 Years
Min Deposit $100,000 Details APY with La Cap Checking; Effective Date: 10/09/2026; Dividends credited monthly; Requires open La Cap checking account; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Thrifty Saver Share Certificate - APY with La Cap Checking	-	-	4.40%	4 Years
Min Deposit $500 Details APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Mega Saver Share Certificate with One-time Bump - With La Cap Checking	-	-	4.50%	5 Years
Min Deposit $100,000 Details APY with La Cap Checking; Effective Date: 10/09/2026; Dividends credited monthly; Requires open La Cap checking account; Membership required and subject to approval; Minimum opening deposit $100,000.00; Additional deposits not allowed during term; Substantial penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Thrifty Saver Share Certificate - APY with La Cap Checking	-	-	4.45%	5 Years
Min Deposit $500 Details APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Individual Retirement Accounts (IRAs) - Floating Rate Account	-	-	0.25%
Min Deposit $0 Details Traditional & Roth IRA; Dividend Credited: Monthly; Standard APY (without La Cap Checking) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 1 Year - La Cap Checking	-	-	4.25%	1 Year
Min Deposit $100,000 Details Effective Date: 10/09/2026; APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 2 Years - La Cap Checking	-	-	4.35%	2 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 3 Years - La Cap Checking	-	-	4.45%	3 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 4 Years - La Cap Checking	-	-	4.50%	4 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Super Saver Share Certificate - 5 Years - La Cap Checking	-	-	4.55%	5 Years
Min Deposit $100,000 Details Effective Date: 10/09/2026; APY with La Cap Checking; Dividends Credited: Monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

La Capitol Federal Credit Union’s Texas Ratio rose from 6.61% in Q3 2023 to 7.48% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$798M	7.48%	5.0	A
March 31, 2026	$800M	7.41%	5.0	A
December 31, 2025	$786M	7.95%	5.0	A
September 30, 2025	$763M	6.82%	5.0	A
June 30, 2025	$777M	10.09%	5.0	A
March 31, 2025	$785M	10.40%	5.0	A
December 31, 2024	$765M	11.95%	5.0	A
September 30, 2024	$762M	18.33%	4.7	B+
June 30, 2024	$764M	19.59%	4.6	B
March 31, 2024	$771M	15.66%	4.9	A-
December 31, 2023	$766M	8.01%	5.0	A
September 30, 2023	$727M	6.61%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for La Capitol Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather La Capitol Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with La Capitol Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name La Capitol Federal Credit Union

Website https://www.lacapfcu.org

Address 700 Main St, Baton Rouge, LA 70802-5501

Phone 225-342-5055

Fax 225-342-9135

President Cynthia Rougeou

CEO Michael Hooper

Full-Time Employees 153

Part-Time Employees 2

Branch Locations 15

ATM Locations 15

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.48%

Return on Assets (ROA)

0.4223%

Return on Equity (ROE)

3.2228%

Non-Performing Loans Ratio (NPL)

1.43%

Total Assets

798,358,960

Total Amount of Shares and Deposits

645,341,113

Total Shares and Deposits < 1 Year

578,302,093

Total Shares and Deposits 1 3 Years

62,717,098

Total Shares and Deposits > 3 Years

4,321,923

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

56,236,680

Total Uninsured Shares and Deposits > $250K (F+J)

56,236,680

Total Insured Shares and Deposits > $250K (item 17 less item K)

589,104,433

Total Interest Expense (Sum of items 6 8)

4,913,535

Share Certificates

4,661

Number of Accounts for Share Drafts

21,675

IRA KEOGH Accounts

1,771

Number of Accounts for Regular Shares

54,776

All other shares

866

Net Income (unless the amount is already included in Undivided Earnings)

3,371,287

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

39,362,083

Total Liabilities

681,878,040

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

La Capitol Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About La Capitol Federal Credit Union

How many branches does La Capitol Federal Credit Union operate?

La Capitol Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join La Capitol Federal Credit Union?

Yes, to access services at La Capitol Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, La Capitol Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, La Capitol Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does La Capitol Federal Credit Union offer online and mobile banking?

Most modern institutions like La Capitol Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lacapfcu.org.

Current La Capitol Federal Credit Union Rates

12-Month CD4.15%
24-Month CD4.25%
60-Month CD4.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

La Capitol Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

La Capitol Federal Credit Union Texas Ratio

La Capitol Federal Credit Union Health Trend

La Capitol Federal Credit Union CD Rates

La Capitol Federal Credit Union Savings Rates

La Capitol Federal Credit Union Checking Rates

La Capitol Federal Credit Union Mortgage Rates

La Capitol Federal Credit Union Auto Loan Rates

La Capitol Federal Credit Union Credit Card Rates

La Capitol Federal Credit Union Personal Loan Rates

La Capitol Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

La Capitol Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About La Capitol Federal Credit Union

How many branches does La Capitol Federal Credit Union operate?

Is a member application needed to join La Capitol Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does La Capitol Federal Credit Union offer online and mobile banking?

Current La Capitol Federal Credit Union Rates

Compare to Other Credit Unions