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iAdvertiser Disclosure
Advertiser Disclosure
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 La Capitol Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 18, 2026
La Capitol Federal Credit Union's 6 Month CD rates are at 3.50%, 2 Years IRA CD Account rates are at 3.45%, Super Saver CD 3 Years rates are at 3.40%, Super Saver CD 4 Years rates are at 3.40%, Super Saver CD 5 Years rates are at 3.40%. La Capitol Federal Credit Union's savings rates are at 0.10%. La Capitol Federal Credit Union's 10 year fixed rates are at 5.13%, 15 year fixed rates are at 5.25%, 20 year fixed rates are at 5.50%, 30 year fixed rates are at 6.00%. La Capitol Federal Credit Union's Personal Loan Rates are at 9.99%. 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 7.23%. Rates were last updated on 04/18/2026. 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
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 Credit Card Rates
La Capitol Federal Credit Union Personal Loan Rates
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
152
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
7.23%
Return on Assets (ROA)
0.5552%
Return on Equity (ROE)
4.3328%
Non-Performing Loans Ratio (NPL)
1.24%
Total Assets
762,979,120
Total Amount of Shares and Deposits
634,259,606
Total Shares and Deposits < 1 Year
586,099,439
Total Shares and Deposits 1 3 Years
41,630,836
Total Shares and Deposits > 3 Years
6,529,331
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
54,127,208
Total Uninsured Shares and Deposits > $250K (F+J)
54,127,208
Total Insured Shares and Deposits > $250K (item 17 less item K)
580,132,398
Total Interest Expense (Sum of items 6 8)
8,171,992
Share Certificates
4,705
Number of Accounts for Share Drafts
22,157
IRA KEOGH Accounts
1,838
Number of Accounts for Regular Shares
56,120
All other shares
873
Net Income (unless the amount is already included in Undivided Earnings)
4,235,878
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,350,473
Total Liabilities
663,236,973
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About La Capitol Federal Credit UnionIs La Capitol Federal Credit Union a safe place to deposit money?Yes, La Capitol Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.2326360115617%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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