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 La Capitol Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 21, 2026
La Capitol Federal Credit Union's 37-Month CD Special rates are at 4.00%, 15-Month Saver Special CD rates are at 3.70%, 1-Year Thrifty Saver CD rates are at 3.65%, 5 Year Super Saver CD rates are at 3.65%, 4 Year Super Saver CD rates are at 3.60%. La Capitol Federal Credit Union's savings rates are at 0.10%. La Capitol Federal Credit Union's Conventional Mortgages - 10 year fixed rates are at 5.75%, Conventional Mortgages - 15 year fixed rates are at 5.88%, Conventional Mortgages - 20 year fixed rates are at 6.12%, Conventional Mortgages - 30 year fixed rates are at 6.38%, Conventional Mortgages - 30 year fixed rates are at 6.50%. La Capitol Federal Credit Union's Personal Loan Rates are as low as 9.34%. La Capitol Federal Credit Union's Credit Card Rates are at 11.75%. 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 7.41%. Rates last updated and verified on 09/21/2026. 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. La Capitol Federal Credit Union
Main Office 700 Main St
https://www.lacapfcu.org Baton Rouge, LA 70802-5501 
La Capitol Federal Credit Union CD Rates
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La Capitol Federal Credit Union Mortgage Rates
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La Capitol Federal Credit Union RV, Boat and Powersport Loan Rates
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Financial Health HistoryLa Capitol Federal Credit Union’s Texas Ratio rose from 5.86% in Q2 2023 to 7.41% in Q1 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 and its Health Grade from A+ to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
151
Part-Time Employees
2
Branch Locations
15
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.41%
Return on Assets (ROA)
0.2067%
Return on Equity (ROE)
1.6068%
Non-Performing Loans Ratio (NPL)
1.40%
Total Assets
799,711,237
Total Amount of Shares and Deposits
648,530,496
Total Shares and Deposits < 1 Year
569,761,185
Total Shares and Deposits 1 3 Years
74,112,735
Total Shares and Deposits > 3 Years
4,656,576
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
56,682,949
Total Uninsured Shares and Deposits > $250K (F+J)
56,682,949
Total Insured Shares and Deposits > $250K (item 17 less item K)
591,847,547
Total Interest Expense (Sum of items 6 8)
2,421,990
Share Certificates
4,744
Number of Accounts for Share Drafts
21,587
IRA KEOGH Accounts
1,771
Number of Accounts for Regular Shares
55,283
All other shares
897
Net Income (unless the amount is already included in Undivided Earnings)
1,653,150
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)
47,350,857
Total Liabilities
684,811,945
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for La Capitol Federal Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About La Capitol Federal Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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