La Capitol Federal Credit Union

Headquarters

P.o. Box 3398
Baton Rouge, LA 70821
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.10%	4.66% →
1-Year CD	5.10%	4.59% →
2-Year CD	5.35%	4.25% →
5-Year CD	4.70%	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 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 $765.39 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	$765.39 million
Loans	$587.47 million
Deposits	$630.54 million
Capital	$93.53 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 - July 1, 2025

Your Current Location: Mississippi, MS 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
SAV	0.10%	$100	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	3.50%	$2,500	-	Learn More Reviews
1 Year Thrifty Saver Share with La Cap Checking	4.90%	$1,500	-	Learn More Reviews
12 Mo CD	5.10%	$100,000	-	Learn More Reviews
16 Mo CD	5.15%	$25,000	-	Learn More Reviews
2 Year Thrifty Saver Share with La Cap Checking	5.25%	$1,000	-	Learn More Reviews
24 Mo CD	5.35%	$100,000	-	Learn More Reviews
26 Mo CD	5.50%	$25,000	-	Learn More Reviews
3 Year Thrifty Saver Share with La Cap Checking	4.50%	$500	-	Learn More Reviews
36 Mo CD	4.70%	$100,000	-	Learn More Reviews
4 Year Thrifty Saver Share with La Cap Checking	4.50%	$500	-	Learn More Reviews
48 Mo CD	4.70%	$100,000	-	Learn More Reviews
5 Year Thrifty Saver Share with La Cap Checking	4.50%	$500	-	Learn More Reviews
60 Mo CD	4.70%	$100,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
VIRA	0.25%	$0	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
INTCK	0.10%	$2,500	-	Learn MoreShow Less

Checking Rates	APY	MIN	FEE
Choise Plus	6.25%	$0	$0.00	Learn MoreShow Less

Loan Rates - July 1, 2025

Your Current Location: Mississippi, MS 10007

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 - Mississippi 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.477%	6.375%	0.88	$3,420	$1,997	Learn More
NMLS ID: 399799	6.486%	6.375%	0.75	$3,884	$1,997	Learn More
NMLS ID: 401822	6.518%	6.375%	0.88	$4,795	$1,997	Learn More
NMLS ID: 491986						Learn More

See More Mortgage Rates →

Featured - Mississippi Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.150 % After Intro: 7.150 %	$15,000	Learn More More Info
Available APRs range from 6.70% - 14.65%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

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:
Jackson,Mississippi

La Capitol Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
ULM	101.50	A	View Lobby Hours
Monroe	101.93	B	View Lobby Hours
Hammond	123.90	C	View Lobby Hours
Marksville	128.88	D	View Lobby Hours
Ruston	131.96	E	View Lobby Hours
Pineville	134.93	F	View Lobby Hours
Florida Blvd	136.49	G	View Lobby Hours
Main Office	137.81	H	View Lobby Hours
Main Office	137.88	I	View Lobby Hours
Alexandria	140.25	J	View Lobby Hours
Metairie	157.98	K	View Lobby Hours
Natchitoches	158.04	L	View Lobby Hours
Nat Univ	158.92	M	View Lobby Hours
Oakdale	164.66	N	View Lobby Hours
Westbank	599.45	O	View Lobby Hours

View Branches Nationwide →

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
15.09%	7.07

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, 2024, La Capitol had $12,924,243 in non-current loans and $1,571,043 in owned assets. To cover these potential losses it had $93,527,979 in net worth and $2,515,505 in loans loss reserves. That gives it a Texas Ratio of 15.09%.

Net Worth

La Capitol	U.S. Average
12.22%	14.25%

La Capitol FCU has a net worth of 12.22% versus the BestCashCow average of 14.25. 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

CDs 12 Month Rates

This credit union is a joke. They need to pull a credit report just to open a cd.

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