2021 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 $584.68 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 |
| Charter Number # | # 14568 |
| Date Established | 1961 |
| Assets | $584.68 million |
| Loans | $432.90 million |
| Deposits | $521.36 million |
| Capital | $73.17 million |
Field of Membership Restrictions
Deposit Rates - January 27, 2021
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
Learn More
|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.25% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Choise Plus | 4.25% | $0 | $0.00 | Learn More |
Loan Rates - January 27, 2021
Your Current Location: Connecticut, CT 06828
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 - Connecticut 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.494% | 3.375% | 1.00 | $3,750 | $1,106 | Learn More |
NMLS ID: 3030 |
3.243% | 3.125% | 1.00 | $3,750 | $1,071 | Learn More |
NMLS ID: 424182 |
2.650% | 2.625% | 0.38 | $815 | $1,005 | Learn More |
|
NMLS ID: 3030 |
3.243% | 3.125% | 1.00 | $3,750 | $1,071 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loans See Table |
2.240 %
|
$0 |
Learn More
More Info |
People's United Bank, N.A. See Table |
4.000 %
|
$0 |
Learn More
More Info |
Note to LA CAPITOL
To upload and update your bank's rates please register.
It is free to register and add rates.
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:
Fairfield,Connecticut
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 |
|---|---|
| 3.07% | 4.42 |
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 September 30, 2020, La Capitol had $2,255,285 in non-current loans and $48,800 in owned assets. To cover these potential losses it had $73,174,021 in net worth and $1,994,817 in loans loss reserves. That gives it a Texas Ratio of 3.07%.
Net Worth
| La Capitol | U.S. Average |
|---|---|
| 12.51% | 12.91% |
La Capitol FCU has a net worth of 12.51% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About La Capitol
Branches and Savings
What is La Capitol?
A credit union, registered with the NCUA under certificate #14568.
Learn more about credit unions here.
Is La Capitol FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join La Capitol?
Please see Field of Membership information above for information on who is eligible to join.
How big is La Capitol?
La Capitol has total capital of $73.17 million. Full information on La Capitol's financial position is located above.
Who owns La Capitol?
Credit Unions are owned by their members.
Where are La Capitol branches located?
See branch locations nearby.
Are La Capitol ATMs Open 24/7?
Do La Capitol ATMs accept cash deposits?
Can La Capitol customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does La Capitol have a mobile app?
Does La Capitol have mobile deposit?
Does La Capitol have quick pay?
How can La Capitol transfer money to other banks or credit unions?
Does La Capitol report to credit bureaus?
Does La Capitol use Chexsystems?
Does La Capitol use Equifax?
What is La Capitol's toll free phone number?
What is La Capitol's ACH Routing Number?
What is La Capitol's SWIFT code?
Where can I find La Capitol's wire transfer form?
What is the La Capitol address for deposits?
What Products Does La Capitol Offer
Does La Capitol offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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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