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

Current rates for La Capitol Federal Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.35%, 60-Month CD: 3.55%, Savings: 0.10%

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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 9, 2026

La Capitol Federal Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 37-Month CD, 0.10% APY on savings, 6.50% APY on checking, 5.75% 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 15-Month Saver Special CD at 3.70%, 5 Year Super Saver CD at 3.65%, and 4 Year Super Saver CD at 3.60%. Other La Capitol Federal Credit Union mortgage rates include Conventional Mortgages - 15 year fixed at 5.88%, Conventional Mortgages - 20 year fixed at 6.12%, and Conventional Mortgages - 30 year fixed at 6.38%. 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 10/09/2026.

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
37-Month Share Certificate	-	4.00%	37-Month
Min Deposit $500 Details 37-Month Share Certificate Special. Membership is required and subject to approval. Membership requires a $5.00 par share balance. La Cap FCU reserves the right to end or modify this offer at any time. Annual Percentage Yield = APY. The minimum deposit to earn the stated APY is $500. Additional deposits are not allowed during the term of the certificate. Dividends are compounded and credited monthly. Early withdrawal penalty may apply for withdrawals before maturity. At maturity, the 37-month Special Share Certificate will renew as a 36-month Thrifty Saver certificate, 36-month Super Saver certificate, or 36-month Mega Saver certificate - minimum balance requirements apply. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
15-Month Saver Special Share Certificate	-	3.70%	15-Month
Min Deposit $5,000 Details Dividends Posted: Monthly. At maturity, the 15-month Special Share Certificate will renew as a 1-year Thrifty Saver certificate, 1-year Super Saver certificate, or 1-year Mega Saver certificate - minimum balance requirements apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Super Saver Share Certificate	-	3.65%	5 Years
Min Deposit $100,000 Details APY with La Cap Checking: 3.97%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Super Saver Share Certificate	-	3.60%	4 Years
Min Deposit $100,000 Details APY with La Cap Checking: 4.00%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Mega Saver Share Certificate with One-time Bump	-	3.60%	5 Years
Min Deposit $100,000 Details APY with La Cap Checking: 3.98%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Traditional & Roth IRA Certificate Account	-	3.55%	2 Years
Min Deposit $20,000 Min Balance $20,000 Details APY with La Cap Checking: 3.88%; Dividend Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Super Saver Share Certificate	-	3.55%	3 Years
Min Deposit $100,000 Details APY with La Cap Checking: 3.95%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Mega Saver Share Certificate with One-time Bump	-	3.55%	4 Years
Min Deposit $100,000 Details APY with La Cap Checking: 3.95%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
5 Year Thrifty Saver Share Certificate	-	3.55%	5 Years
Min Deposit $500 Details APY with La Cap Checking: 3.88%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Mega Saver Share Certificate with One-time Bump	-	3.50%	3 Years
Min Deposit $100,000 Details APY with La Cap Checking: 3.90%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
4 Year Thrifty Saver Share Certificate	-	3.50%	4 Years
Min Deposit $500 Details APY with La Cap Checking: 3.90%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times 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 Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Super Saver Share Certificate	-	3.45%	2 Years
Min Deposit $100,000 Details APY with La Cap Checking: 3.78%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Traditional & Roth IRA Certificate Account	-	3.45%	2 Years
Min Deposit $650 Min Balance $650 Details APY with La Cap Checking: 3.78%; Dividend Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
3 Year Thrifty Saver Share Certificate	-	3.45%	3 Years
Min Deposit $500 Details APY with La Cap Checking: 3.85%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Mega Saver Share Certificate with One-time Bump	-	3.40%	2 Years
Min Deposit $100,000 Details APY with La Cap Checking: 3.73%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
1 Year Super Saver Share Certificate	-	3.35%	1 Year
Min Deposit $100,000 Details APY with La Cap Checking: 3.75%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
2 Year Thrifty Saver Share Certificate	-	3.35%	2 Years
Min Deposit $1,000 Details APY with La Cap Checking: 3.68%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
1 Year Mega Saver Share Certificate with One-time Bump	-	3.30%	1 Year
Min Deposit $100,000 Details APY with La Cap Checking: 3.70%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
1 Year Thrifty Saver Share Certificate	-	3.25%	1 Year
Min Deposit $1,500 Details APY with La Cap Checking: 3.65%; Dividends Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 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 Dividend Compounded and Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Elite Saver Plus	-	1.50%
Min Balance $100 Details Elite Saver Plus is a premium savings solution designed for members with higher balances who want stronger earning potential without giving up access to their funds. It combines growth-focused features with full liquidity, making it ideal for savers who expect more from their money. Applicable fees and conditions could reduce the earnings on your account. Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Minimum Required Balance to Avoid Service Fee: $100.00 - Fee waived for account owners under 17 years of age; Dividend Compounded and Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Balance: Up to but not exceeding $10,000.00 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.74% → 6.50% ▲ 5.76 pts · high 6.50% / low 0.74% Sep 18, 20266.50%▲ from 0.74% Sep 14, 20260.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Choice Checking	-	6.50%
Min Deposit $50 Min Balance $10,000 Details Qualifications Required: fifteen (15) debit card transactions with a minimum of $5.00 each, excluding ATM transactions, posted to your account before the end of the statement period; Tier 1) Balances up to $10,000 earn an APY up to 6.50%; Tier 2) Balances $10,000.01 or greater earn an APY of 0.74%. To qualify for the stated high yields, you must have fifteen (15) debit card transactions with a minimum of $5.00 each, excluding ATM transactions, posted to your account before the end of the statement period. If the required debit card transactions do not post to your account before the end of the statement period, your entire account balance will earn 0.01% APY. A monthly low balance fee of $8.00 will be charged to the account when 1) the daily balance falls below $1,000.00 anytime during the statement period; OR 2) 15 debit card transactions, excluding ATM transactions, do not post to the account by the end of the statement period. A monthly paper statement fee of $2.00 will be charged to the account unless 1) the account is enrolled to receive statements electronically, OR 2) the member is under 24 years of age. When you agree and consent to receive your statements electronically, you are eligible for a refund of ATM fees up to $25.00 charged for using an ATM not owned by La Capitol FCU. Dividends are calculated on a daily balance method, compounded, and credited monthly. The stated APYs are calculated using compounding dividends and are not guaranteed. Withdrawals will decrease the APY earned. La Cap reserves the right to limit the number of Choice Checking accounts per membership, joint or individually. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.50% APY · checked 4 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: fifteen (15) debit card transactions with a minimum of $5.00 each, excluding ATM transactions; Tier 1) Balances up to $10,000 earn an APY up to 6.50%; Tier 2) Balances $10,000.01 or greater earn an APY of 0.74%. To qualify for the stated high yields, you must have fifteen (15) debit card transactions with a minimum of $5.00 each, excluding ATM transactions, posted to your account before the end of the statement period. If the required debit card transactions do not post to your account before the end of the statement period, your entire account balance will earn 0.01% APY. A monthly low balance fee of $8.00 will be charged to the account when 1) the daily balance falls below $1,000.00 anytime during the statement period; OR 2) 15 debit card transactions, excluding ATM transactions, do not post to the account by the end of the statement period. A monthly paper statement fee of $2.00 will be charged to the account unless 1) the account is enrolled to receive statements electronically, OR 2) the member is under 24 years of age. When you agree and consent to receive your statements electronically, you are eligible for a refund of ATM fees up to $25.00 charged for using an ATM not owned by La Capitol FCU. Dividends are calculated on a daily balance method, compounded, and credited monthly. The stated APYs are calculated using compounding dividends and are not guaranteed. Withdrawals will decrease the APY earned. La Cap reserves the right to limit the number of Choice Checking accounts per membership, joint or individually. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Choice Checking	-	0.73%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.01 + Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.74% → 0.73% ▼ 0.01 pts · high 0.74% / low 0.73% Sep 18, 20260.73%▼ from 0.74% Sep 14, 20260.74%first recorded 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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	5.75%	0%	5.869%	10 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.87% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 15 year fixed	5.875%	0%	5.959%	15 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.96% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 20 year fixed	6.125%	0%	6.193%	20 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.19% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 30 year fixed	6.375%	1.75%	6.597%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 30 year fixed	6.50%	0.75%	6.625%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Conventional Mortgages - 30 year fixed	6.625%	0%	6.678%	30 year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.68% APR · checked 8 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 - 2023 and Newer Model Years Loan	-	-	5.24%	1 to 36 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.54% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.54% APR · checked 7 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 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.64% 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	-	-	5.79%	76 to 78 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.79% 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	-	-	5.94%	79 to 84 Months
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019-2022 Model Years Loan	-	-	6.24%	1 to 36 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019-2022 Model Years Loan	-	-	6.24%	37 to 48 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019-2022 Model Years Loan	-	-	6.54%	49 to 60 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019-2022 Model Years Loan	-	-	6.54%	61 to 66 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019-2022 Model Years Loan	-	-	6.64%	67 to 75 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 6.64% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019 and Older Model Years Loan	-	-	8.24%	1 to 36 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019 and Older Model Years Loan	-	-	8.24%	37 to 48 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019 and Older Model Years Loan	-	-	8.54%	49 to 60 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Used Vehicle - 2022 and Older Model Years - 2019 and Older Model Years Loan	-	-	8.54%	61 to 66 Months
Details As Low As; Effective Date: 03/30/26 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.54% APR 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
New Boats - 2023 and newer models Loan	-	8.14%	1 to 48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.44% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.54% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.14% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.14% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.14% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.44% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 9.54% APR · checked 6 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
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.14% APR · checked 6 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
Prime Plus Visa Credit Card	-	11.75%
Details Published APR range: 11.75% to 18.00%. Introductory Offer for Balance Transfers: 0% interest on balance transfers for 12 months on balance transfers made in the first 90 days after account opening. Regular APR: 11.75% to 18.00% based on creditworthiness. This APR will vary with the market based on the Prime Rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Cash Back Visa Credit Card	-	13.75%
Details Published APR range: 13.75% to 18.00%. Intro rate expires: 12 months; Regular APR: 13.75% to 18.00% based on creditworthiness. This APR will vary with the market based on the Prime Rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Rewards Visa Credit Card	-	13.75%
Details Published APR range: 13.75% to 18.00%. Introductory Offer for Balance Transfers: 0% interest on balance transfers for 12 months on balance transfers made in the first 90 days after account opening. Regular APR: 13.75% to 18.00% based on creditworthiness. This APR will vary with the market based on the Prime Rate. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 5 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 Loan Amount: $1,001 - $2,500 Last Updated 10/09/2026 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 Loan Amount: $2,501 - $5,999 Last Updated 10/09/2026 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 Loan Amount: $6,000 - $9,999 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 9.84% → 9.99% ▲ 0.15 pts · high 9.99% / low 9.34% Oct 5, 20269.99%▲ from 9.34% Sep 17, 20269.34%▼ 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 Loan Amount: $10,000 - $14,999 Last Updated 10/09/2026 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 Loan Amount: $15,000 & above Last Updated 10/09/2026 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
Line of Credit Loan	-	-	12.49%
Details Determined by individual's creditworthiness. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 8 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 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.48%
Traditional & Roth IRA Floating Rate Account	-	-	0.25%
Min Deposit $0 Details APY with La Cap Checking: 0.25%; Dividend Credited: Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 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.
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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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Learn more about the MBR Health & Safety Badge program on our methodology page.

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 CD3.25%
24-Month CD3.35%
60-Month CD3.55%
Savings0.10%

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 RV, Boat and Powersport 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