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% 5.50% →
1-Year CD 5.10% 5.25% →
2-Year CD 5.35% 4.50% →
5-Year CD 4.70% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

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 $764.2 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 $764.20 million
Loans $587.13 million
Deposits $642.20 million
Capital $93.30 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 - October 7, 2024

Your Current Location: Virginia, VA 20146

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 - Learn More
12 Mo CD
5.10% $100,000 - Learn More
16 Mo CD
5.15% $25,000 - Learn More
2 Year Thrifty Saver Share with La Cap Checking
5.25% $1,000 - Learn More
24 Mo CD
5.35% $100,000 - Learn More
26 Mo CD
5.50% $25,000 - Learn More
3 Year Thrifty Saver Share with La Cap Checking
4.50% $500 - Learn More
36 Mo CD
4.70% $100,000 - Learn More
4 Year Thrifty Saver Share with La Cap Checking
4.50% $500 - Learn More
48 Mo CD
4.70% $100,000 - Learn More
5 Year Thrifty Saver Share with La Cap Checking
4.50% $500 - Learn More
60 Mo CD
4.70% $100,000 - Learn More
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 - October 7, 2024

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Watermark Capital
NMLS ID: 1838
6.111% 5.990% 0.88 $4,168 $1,917 Learn More
PenFed Credit Union
NMLS ID: 401822
6.312% 6.125% 1.00 $6,400 $1,945 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.590% 6.490% 0.88 $3,340 $2,021 Learn More
Rocket Mortgage
NMLS ID: 3030
6.961% 6.875% 0.88 $2,800 $2,103 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More

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:
Ashburn,Virginia



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
9.73% 5.83

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 June 30, 2024, La Capitol had $8,058,445 in non-current loans and $1,265,353 in owned assets. To cover these potential losses it had $93,303,324 in net worth and $2,515,505 in loans loss reserves. That gives it a Texas Ratio of 9.73%.

Net Worth
La Capitol U.S. Average
12.21% 13.93%

La Capitol FCU has a net worth of 12.21% versus the BestCashCow average of 13.93. 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


  • 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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