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La Capitol Federal Credit Union

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La Capitol Federal Credit Union Rates & Review November 2026

Q: 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%, Savings: 3.25%

Q: What CD terms does La Capitol Federal Credit Union offer?

La Capitol Federal Credit Union CD rates are 4.15% APY for a 12 month CD, 4.35% APY for a 2 year CD, 4.45% APY for a 3 year CD, 4.50% APY for a 37 month CD, 4.50% APY for a 4 year CD and 4.55% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with La Capitol Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

La Capitol Federal Credit Union's 5 Year Super Saver CD rates are at 4.55%, 37-Month CD rates are at 4.50%, 4 Year Super Saver CD rates are at 4.50%, 3 Year Super Saver CD rates are at 4.45%, 2 Year Super Saver CD rates are at 4.35%. La Capitol Federal Credit Union's savings rates are at 3.25%. La Capitol Federal Credit Union's checking rates are as high as 6.50%. La Capitol Federal Credit Union's Conventional Mortgage - 10 Year Fixed rates are at 6.12%, Conventional Mortgage - 15 Year Fixed rates are at 6.25%, Conventional Mortgage - 20 Year Fixed rates are at 6.50%, Conventional Mortgage - 30 Year Fixed rates are at 6.75%. La Capitol Federal Credit Union's Personal Loan Rates are as low as 9.99%. La Capitol Federal Credit Union's top CD rate of 4.55% APY on a 5 year CD is 56% higher than the MonitorBankRates national average for that term, and it has an A health rating. 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 10/29/2026.

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 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 Last Updated 10/29/2026 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 APY up to 4.50%; Dividends posted monthly; Qualify to open a separate Companion Savings Account earning 3.25% APY Last Updated 10/29/2026 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 Last Updated 10/29/2026 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%
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 Last Updated 10/29/2026 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%
4 Year Mega Saver Share Certificate with One-time Bump	-	4.45%	4 Years
Min Deposit $100,000 Details Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.55% → 4.45% ▲ 0.90 pts · high 4.45% / low 3.55% Oct 15, 20264.45%▲ from 4.05% 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	-	4.40%	3 Years
Min Deposit $100,000 Details Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 4.40% ▲ 0.90 pts · high 4.40% / low 3.50% Oct 15, 20264.40%▲ from 4.00% 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 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 Last Updated 10/29/2026 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%
2 Year Mega Saver Share Certificate with One-time Bump	-	4.30%	2 Years
Min Deposit $100,000 Details Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.40% → 4.30% ▲ 0.90 pts · high 4.30% / low 3.40% Oct 15, 20264.30%▲ from 3.90% 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%
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 Last Updated 10/29/2026 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%
1 Year Mega Saver Share Certificate with One-time Bump	-	4.20%	1 Year
Min Deposit $100,000 Details Requires La Cap Checking account; Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.30% → 4.20% ▲ 0.90 pts · high 4.20% / low 3.30% Oct 15, 20264.20%▲ from 3.80% 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%
15-Month Share Certificate	-	4.20%	15 months
Min Deposit $5,000 Details APY up to 4.20%; Dividends posted monthly; Qualify to open a separate Companion Savings Account earning 3.25% APY Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.20% APY · checked 4 times 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 Last Updated 10/29/2026 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 Last Updated 10/29/2026 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 Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 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%
2 Year IRA Certificate Account	-	4.05%	2 Years
Min Deposit $20,000 Min Balance $20,000 Details Dividends credited Monthly Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.05% APY · checked 3 times 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 Last Updated 10/29/2026 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 Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 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%
Thrifty Saver Share Certificate - 5 Years	-	4.05%	5 Years
Min Deposit $500 Details Dividends Credited: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 4.05% ▲ 0.50 pts · high 4.05% / low 3.55% Oct 23, 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 Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 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%
Thrifty Saver Share Certificate - 4 Years	-	4.00%	4 Years
Min Deposit $500 Details Dividends Credited: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 23, 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 IRA Certificate Account	-	3.95%	2 Years
Min Deposit $650 Min Balance $650 Details Dividends credited Monthly Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 3.95% APY · checked 3 times 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 Last Updated 10/29/2026 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%
Thrifty Saver Share Certificate - 3 Years	-	3.95%	3 Years
Min Deposit $500 Details Dividends Credited: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45% Oct 23, 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 Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 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%
1 Year Super Saver Share Certificate	-	3.85%	1 Year
Min Deposit $100,000 Details Dividends Credited: Monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 4.25% / low 3.35% Oct 23, 20263.85%▼ from 4.25% 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%
Thrifty Saver Share Certificate - 2 Years	-	3.85%	2 Years
Min Deposit $1,000 Details Dividends Credited: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35% Oct 23, 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 Dividends credited monthly; Effective Date: 10/09/2026 Last Updated 10/29/2026 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%
Thrifty Saver Share Certificate - 1 Year	-	3.75%	1 Year
Min Deposit $1,500 Details Dividends Credited: Monthly Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 23, 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 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 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 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union Savings Rates

Product	Rate	APY
Companion Savings	-	3.25%
Min Deposit $1,500 Details Available only when opening a Share Certificate of 12 months or longer; must be opened at same time as the certificate; no additional deposits after opening; unlimited free withdrawals Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Elite Saver Plus	-	1.50%
Min Deposit $10,000 Min Balance $10,000 Details Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $10,000.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 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 Checking account; $25.00 monthly fee if balance falls below $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.00% APY · checked 4 times 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 Checking account; $25.00 monthly fee if balance falls below $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Christmas Club Savings	-	0.10%
Min Deposit $25 Min Balance $100 Details Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Regular Savings	-	0.10%
Min Deposit $5 Min Balance $100 Details Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Special Savings	-	0.10%
Min Deposit $100 Min Balance $100 Details Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Vacation Club Savings	-	0.10%
Min Deposit $25 Min Balance $100 Details Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Youth Savings	-	0.10%
Min Deposit $25 Min Balance $100 Details Dividend compounded and credited monthly; Minimum required balance to avoid service fee: $100.00 - Fee waived for account owners under 17 years of age Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times 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; Balance: Up to but not exceeding $10,000.00; Tiered rate account (balances $10,000.01 and over are not listed here); Membership required and subject to approval; Membership requires $5.00 par balance in a primary savings account; Dividends compounded and credited monthly; Minimum Required Balance to Avoid Low Balance Fee: $1,000.00 Last Updated 10/29/2026 Rate History No change since Sep 25, 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 Dividends compounded and credited monthly; Minimum Required Balance to Avoid Low Balance Fee: $2,500.00 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 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 Mortgage - 10 Year Fixed	6.125%	0%	6.245%	10 year
Details Conventional Mortgages; Effective 10/09/2026; APR (as low as); Origination 0% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgage - 15 Year Fixed	6.25%	0%	6.335%	15 year
Details Conventional Mortgages; Effective 10/09/2026; APR (as low as); Origination 0% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgage - 20 Year Fixed	6.50%	0%	6.569%	20 year
Details Conventional Mortgages; Effective 10/09/2026; APR (as low as); Origination 0% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgage - 30 Year Fixed	6.75%	1.75%	6.978%	30 year
Details Conventional Mortgages; Effective 10/09/2026; APR (as low as); Origination 1.75% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgage - 30 Year Fixed	6.875%	0.75%	7.003%	30 year
Details Conventional Mortgages; Effective 10/09/2026; APR (as low as); Origination 0.75% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgage - 30 Year Fixed	7.00%	0%	7.054%	30 year
Details Conventional Mortgages; Effective 10/09/2026; APR (as low as); Origination 0% Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.05% APR · checked 2 times 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 Loan - 2023 and Newer Model Years	-	-	5.49%	1 to 36 Months
Details As Low As; Effective 10/13/26 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 23, 20265.49%▲ from 5.24% Sep 17, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle Loan - 2023 and Newer Model Years	-	-	5.49%	37 to 48 Months
Details As Low As; Effective 10/13/26 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 23, 20265.49%▲ from 5.24% Sep 17, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle Loan - 2023 and Newer Model Years	-	-	5.79%	49 to 60 Months
Details As Low As; Effective 10/13/26 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 5.54% → 5.79% ▲ 0.25 pts · high 5.79% / low 5.54% Oct 23, 20265.79%▲ from 5.54% Sep 17, 20265.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle Loan - 2023 and Newer Model Years	-	-	5.79%	61 to 66 Months
Details As Low As; Effective 10/13/26; Available on amounts $15,000 & above. Certain conditions apply. Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 5.54% → 5.79% ▲ 0.25 pts · high 5.79% / low 5.54% Oct 23, 20265.79%▲ from 5.54% Sep 17, 20265.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle Loan - 2023 and Newer Model Years	-	-	5.89%	67 to 75 Months
Details As Low As; Effective 10/13/26; Available on amounts $15,000 & above. Certain conditions apply. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.64% → 5.89% ▲ 0.25 pts · high 5.89% / low 5.64% Oct 23, 20265.89%▲ from 5.64% Sep 14, 20265.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle Loan - 2023 and Newer Model Years	-	-	6.04%	76 to 78 Months
Details As Low As; Effective 10/13/26; Available on amounts $30,000 & above on current and one year prior models. Certain conditions apply. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.79% → 6.04% ▲ 0.25 pts · high 6.04% / low 5.79% Oct 23, 20266.04%▲ from 5.79% Sep 14, 20265.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Vehicle Loan - 2023 and Newer Model Years	-	-	6.19%	79 to 84 Months
Details As Low As; Effective 10/13/26; Available on amounts $30,000 & above on current and one year prior models. Certain conditions apply. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.94% → 6.19% ▲ 0.25 pts · high 6.19% / low 5.94% Oct 23, 20266.19%▲ from 5.94% Sep 14, 20265.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.49%	1 to 36 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2019-2022 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 15, 20266.49%▲ from 6.24% Sep 17, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.49%	37 to 48 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2019-2022 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 15, 20266.49%▲ from 6.24% Sep 17, 20266.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.79%	49 to 60 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2019-2022 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54% Oct 15, 20266.79%▲ from 6.54% Sep 17, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.79%	61 to 66 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2019-2022 Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 6.54% → 6.79% ▲ 0.25 pts · high 6.79% / low 6.54% Oct 15, 20266.79%▲ from 6.54% Sep 17, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2019-2022 Model Years	-	-	6.89%	67 to 75 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2019-2022 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.64% → 6.89% ▲ 0.25 pts · high 6.89% / low 6.64% Oct 15, 20266.89%▲ from 6.64% Sep 14, 20266.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.49%	1 to 36 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2018 and Older; Available on amounts $7,500 & above Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 15, 20268.49%▲ from 8.24% Sep 17, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.49%	37 to 48 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2018 and Older; Available on amounts $7,500 & above Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.24% → 8.49% ▲ 0.25 pts · high 8.49% / low 8.24% Oct 15, 20268.49%▲ from 8.24% Sep 17, 20268.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.79%	49 to 60 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2018 and Older; Available on amounts $7,500 & above Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.54% → 8.79% ▲ 0.25 pts · high 8.79% / low 8.54% Oct 15, 20268.79%▲ from 8.54% Sep 17, 20268.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle Loan - 2018 and Older Model Years	-	-	8.79%	61 to 66 Months
Details As Low As; Used Vehicle - 2022 and Older Model Years; Effective Date: 10/13/26; Model Years 2018 and Older; Available on amounts $7,500 & above Last Updated 10/29/2026 Rate History 1 change since Sep 17, 2026 · 8.54% → 8.79% ▲ 0.25 pts · high 8.79% / low 8.54% Oct 15, 20268.79%▲ from 8.54% Sep 17, 20268.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%

La Capitol Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor - 2019 and newer models Loan	-	8.14%	1 months
Details Term: 1 to 48 Months (4 yrs); As Low As; New, Used or Refinanced; Effective Date: 12/22/2023; Loan Amount: Any Amount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor - 2019 and newer models Loan	-	8.14%	49 months
Details Term: 49 to 60 Months (5 yrs); As Low As; New, Used or Refinanced; Effective Date: 12/22/2023; Loan Amount: Any Amount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Boats - 2023 and newer models Loan	-	8.14%	1 to 48 months
Details As Low As; Effective Date: 12/22/2023 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Boats - 2023 and newer models Loan	-	8.14%	49 to 60 months
Details As Low As; Effective Date: 12/22/2023 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor - 2019 and newer models Loan	-	8.44%	61 months
Details Term: 61 to 72 Months (6 yrs); As Low As; New, Used or Refinanced; Effective Date: 12/22/2023; Loan Amount: Any Amount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Boats - 2023 and newer models Loan	-	8.44%	61 to 72 months
Details As Low As; Effective Date: 12/22/2023; Boat terms are based on loan amount. 72 months minimum loan amount is $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.44% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor - 2019 and newer models Loan	-	8.54%	73 months
Details Term: 73 to 84 Months (7 yrs); As Low As; New, Used or Refinanced; Effective Date: 12/22/2023; Loan Amount: Any Amount Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 8.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Boats - 2023 and newer models Loan	-	8.54%	73 to 84 months
Details As Low As; Effective Date: 12/22/2023; Boat terms are based on loan amount. 84 months minimum loan amount is $25,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.54% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor - 2019 and newer models Loan	-	9.14%	85 months
Details Term: 85 to 120 Months (10 yrs); As Low As; New, Used or Refinanced; Effective Date: 12/22/2023; Loan Amount: over $40,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
New Boats - 2023 and newer models Loan	-	9.14%	85 to 120 months
Details As Low As; Effective Date: 12/22/2023; Boat terms are based on loan amount. 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Boats - 2019 to 2022 models Loan	-	9.14%	1 to 48 months
Details As Low As; Effective Date: 12/22/2023 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Boats - 2019 to 2022 models Loan	-	9.14%	49 to 60 months
Details As Low As; Effective Date: 12/22/2023 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Boats - 2019 to 2022 models Loan	-	9.44%	61 to 72 months
Details As Low As; Effective Date: 12/22/2023; 72 months minimum loan amount is $20,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.44% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Boats - 2019 to 2022 models Loan	-	9.54%	73 to 84 months
Details As Low As; Effective Date: 12/22/2023; 84 months minimum loan amount is $25,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.54% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor - 2019 and newer models Loan	-	9.64%	121 months
Details Term: 121 to 180 Months (15 yrs); As Low As; New, Used or Refinanced; Effective Date: 12/22/2023; Loan Amount: over $65,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 9.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Boats - 2019 to 2022 models Loan	-	10.14%	85 to 120 months
Details As Low As; Effective Date: 12/22/2023; 96 months minimum loan amount is $30,000; term greater than 96 months minimum loan amount is $40,000; maximum loan term is 120 months Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor - 2019 and newer models Loan	-	10.64%	181 months
Details Term: 181 to 240 Months (20 yrs); As Low As; New, Used or Refinanced; Effective Date: 12/22/2023; Loan Amount: over $100,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 10.64% APR · checked 2 times 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%	24 Months
Details As Low As; Loan Amount: $1,001 - $2,500; Term (up to) 24 Months Last Updated 10/29/2026 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%	36 Months
Details As Low As; Loan Amount: $2,501 - $5,999; Term (up to) 36 Months Last Updated 10/29/2026 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%	48 Months
Details As Low As; Loan Amount: $6,000 - $9,999; Term (up to) 48 Months Last Updated 10/29/2026 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%	48 Months
Details As Low As; Loan Amount: $10,000 - $14,999; Term (up to) 48 Months Last Updated 10/29/2026 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%	60 Months
Details As Low As; Loan Amount: $15,000 & above; Term (up to) 60 Months Last Updated 10/29/2026 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
Line of Credit Loan	-	-	12.49%
Details As Low As; Credit Limit: Determined by individual's creditworthiness; Effective Date: 05/10/2024 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year IRA Certificate Account - APY with La Cap Checking	-	-	4.35%	2 Years
Min Deposit $650 Min Balance $650 Details APY with La Cap Checking; Dividends credited Monthly Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year IRA Certificate Account - APY with La Cap Checking	-	-	4.45%	2 Years
Min Deposit $20,000 Min Balance $20,000 Details APY with La Cap Checking; Dividends credited Monthly Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 4.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Coverdell Education Savings	-	-	0.25%
Min Deposit $0 Details Dividend compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
IRA Floating Rate Account	-	-	0.25%
Min Deposit $0 Details Dividends credited Monthly Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 1 Year - APY with La Cap Checking	-	-	4.15%	1 Year
Min Deposit $1,500 Details Requires La Cap Checking; Dividends Credited: Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 2 Years - APY with La Cap Checking	-	-	4.25%	2 Years
Min Deposit $1,000 Details Requires La Cap Checking; Dividends Credited: Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 3 Years - APY with La Cap Checking	-	-	4.35%	3 Years
Min Deposit $500 Details Requires La Cap Checking; Dividends Credited: Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 4 Years - APY with La Cap Checking	-	-	4.40%	4 Years
Min Deposit $500 Details Requires La Cap Checking; Dividends Credited: Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Thrifty Saver Share Certificate - 5 Years - APY with La Cap Checking	-	-	4.45%	5 Years
Min Deposit $500 Details Requires La Cap Checking; Dividends Credited: Monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.45% APY · checked 2 times 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

2026 MBR Health & Safety Badge

La Capitol Federal Credit Union earned the Verified Healthy badge

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About La Capitol Federal Credit Union

Does La Capitol Federal Credit Union offer CDs?

Yes. La Capitol Federal Credit Union current CD rates include its 5 Year Super Saver CD at 4.55% APY, its 37-Month CD at 4.50% APY and its 4 Year Super Saver CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from La Capitol Federal Credit Union NCUA insured?

Yes. La Capitol Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at La Capitol Federal Credit Union?

The highest La Capitol Federal Credit Union CD rate is its 5 Year Super Saver CD at 4.55% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does La Capitol Federal Credit Union offer?

La Capitol Federal Credit Union CD rates are 4.15% APY for a 12 month CD, 4.35% APY for a 2 year CD, 4.45% APY for a 3 year CD, 4.50% APY for a 37 month CD, 4.50% APY for a 4 year CD and 4.55% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with La Capitol Federal Credit Union for its full lineup.

What is the highest savings rate at La Capitol Federal Credit Union?

The highest La Capitol Federal Credit Union savings rate is its Companion Savings at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at La Capitol Federal Credit Union?

The highest La Capitol Federal Credit Union checking rate is its Liquid Assets Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at La Capitol Federal Credit Union?

The lowest La Capitol Federal Credit Union 30 year fixed mortgage rate is its Conventional Mortgage - 30 Year Fixed at 6.75%, verified by MonitorBankRates as of October 29, 2026. La Capitol Federal Credit Union mortgage rates are 6.75% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.25% for a 15 year mortgage and 6.125% for a 10 year mortgage.

What is the lowest auto loan rate at La Capitol Federal Credit Union?

The lowest La Capitol Federal Credit Union auto loan rate is its New Vehicle Loan - 2023 and Newer Model Years at 5.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at La Capitol Federal Credit Union?

The lowest La Capitol Federal Credit Union personal loan rate is its Personal Loans (Unsecured) at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do La Capitol Federal Credit Union rates compare?

La Capitol Federal Credit Union's top CD rate of 4.55% APY on a 5 year CD is 56% higher than the MonitorBankRates national average for that term, and it has an A health rating. La Capitol Federal Credit Union's top rates are its 5 Year Super Saver CD at 4.55% APY, its Companion Savings at 3.25% APY, its Choice Checking at 6.50% APY, its Conventional Mortgage - 10 Year Fixed at 6.125% and its Personal Loans (Unsecured) at 9.99% APR, verified by MonitorBankRates on October 29, 2026.

Current La Capitol Federal Credit Union Rates

12-Month CD4.15%
24-Month CD4.25%
60-Month CD4.45%
Savings3.25%

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

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La Capitol Federal Credit Union Rates & Review November 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 RV, Boat and Powersport Loan 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

Does La Capitol Federal Credit Union offer CDs?

Are CDs from La Capitol Federal Credit Union NCUA insured?

What is the highest CD rate at La Capitol Federal Credit Union?

What CD terms does La Capitol Federal Credit Union offer?

What is the highest savings rate at La Capitol Federal Credit Union?

What is the highest checking rate at La Capitol Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at La Capitol Federal Credit Union?

What is the lowest auto loan rate at La Capitol Federal Credit Union?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do La Capitol Federal Credit Union rates compare?

Current La Capitol Federal Credit Union Rates

Compare to Other Credit Unions