La Capitol Federal Credit Union
Headquarters
P.o. Box 3398
Baton Rouge, LA 70821
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2024 Overview
General Credit Union Information
La Capitol is an NCUA insured institution located in Baton Rouge, LA. It was founded in 1961 and has approximately $765.83 millions in assets.
Who can join?
You are eligible to open an account with La Cap if:
• You are employed by an agency of the State of Louisiana which does not have its own individual credit union.
• You live, work, worship or attend school in the City of Baton Rouge or in the Parishes of Allen, Grant, Lincoln, Natchitoches, Ouachita, Rapides, Terrebonne or Tangipahoa.
• You are a student of University of Louisiana at Monroe (ULM), Louisiana Tech University, Northwestern State University (NSU), Southeastern Louisiana University (SLU), Delgado Community College, Nunez Community College, or Baton Rouge Community College (BRCC).
• You are employed by one of the select employee groups (SEG) accepted for La Cap membership.
• You are a qualifying relative of a La Cap member. A qualifying relative is a spouse, child, parent, brother, sister, stepchild, stepparent, grandchild, or grandparent of a La Cap member.
• You are a member of the Louisiana Association for Personal Financial Achievement (ACHIEVE).
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 14568 |
| Date Established | 1961 |
| Assets | $765.83 million |
| Loans | $622.15 million |
| Deposits | $638.76 million |
| Capital | $91.64 million |
Field of Membership Restrictions
Membership is open to anyone through membership in the Louisiana Association for Personal Financial Achievement ($20 annual dues). Membership is open to the following: (1) those who live, work, worship, or attend school in the City of Baton Rouge or in the Parishes of Allen, Grant, Lincoln, Natchitoches, Ouachita, Rapides, Terrebonne or Tangipahoa; (2) students of University of Louisiana at Monroe, Louisiana Tech University, Northwestern State University, Southeastern Louisiana University, Delgado Community College, Nunez Community College, or Baton Rouge Community College; (3) employed by an agency of the state of Louisiana not already covered by a credit union and to immediate family.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $100 | - |
Learn More
|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.50% | $2,500 | - |
Learn More
|
| 1 Year Thrifty Saver Share with La Cap Checking
|
4.90% | $1,500 | - |
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|
| 12 Mo CD
|
5.10% | $100,000 | - |
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|
| 16 Mo CD
|
5.15% | $25,000 | - |
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|
| 2 Year Thrifty Saver Share with La Cap Checking
|
5.25% | $1,000 | - |
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|
| 24 Mo CD
|
5.35% | $100,000 | - |
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|
| 26 Mo CD
|
5.50% | $25,000 | - |
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|
| 3 Year Thrifty Saver Share with La Cap Checking
|
4.50% | $500 | - |
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|
| 36 Mo CD
|
4.70% | $100,000 | - |
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|
| 4 Year Thrifty Saver Share with La Cap Checking
|
4.50% | $500 | - |
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|
| 48 Mo CD
|
4.70% | $100,000 | - |
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|
| 5 Year Thrifty Saver Share with La Cap Checking
|
4.50% | $500 | - |
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|
| 60 Mo CD
|
4.70% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.25% | $0 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $2,500 | - | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Choise Plus | 5.25% | $0 | $0.00 | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for La Capitol
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
6.994% | 6.875% | 0.63 | $3,901 | $2,103 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to La Capitol
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Branches
Below are La Capitol branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
LA CAPITOL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
La Capitol Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of La Capitol. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| La Capitol | U.S. Average |
|---|---|
| 14.52% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, La Capitol had $13,176,529 in non-current loans and $491,906 in owned assets. To cover these potential losses it had $91,636,089 in net worth and $2,515,505 in loans loss reserves. That gives it a Texas Ratio of 14.52%.
Net Worth
| La Capitol | U.S. Average |
|---|---|
| 11.97% | 13.62% |
La Capitol FCU has a net worth of 11.97% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for La Capitol
tickedoff
September 20, 2017
This credit union is a joke. They need to pull a credit report just to open a cd.
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