Credit union · NCUA insured
La Capitol Federal Credit Union CD Rates
La Capitol Federal Credit Union’s best CD rate is 4.50% APY on a 37-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How La Capitol Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Baton Rouge, LA, where La Capitol Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
La Capitol Federal Credit Union
4.50%APY
- Term
- 37 months
- Minimum
- $500
- Earns on $10,000
- $1,454
37-Month Share Certificate
2nd-highest rate
Capital One
4.40%APY
- Term
- 11 months
- Minimum
- $0
- Earns on $10,000
- $403
3rd-highest rate
Geismar Complex Federal Credit Union
4.33%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $433
La Capitol Federal Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.70%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where La Capitol Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Super Saver Share Certificate
Up to 4.55%APY · 5 terms
Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAPY 3.85% with $100,000 minimum opening | 3.85% | $385 |
| 12 monthsAPY 4.25% with $100,000 minimum opening and La Capitol checking account | 4.25% | $425 |
| 24 monthsAPY 3.95% with $100,000 minimum opening | 3.95% | $806 |
| 24 monthsAPY 4.35% with $100,000 minimum opening and La Capitol checking account | 4.35% | $889 |
| 36 monthsAPY 4.05% with $100,000 minimum opening | 4.05% | $1,265 |
| 36 monthsAPY 4.45% with $100,000 minimum opening and La Capitol checking account | 4.45% | $1,395 |
| 48 monthsAPY 4.10% with $100,000 minimum opening | 4.10% | $1,744 |
| 48 monthsAPY 4.50% with $100,000 minimum opening and La Capitol checking account | 4.50% | $1,925 |
| 60 monthsAPY 4.15% with $100,000 minimum opening | 4.15% | $2,255 |
| 60 monthsAPY 4.55% with $100,000 minimum opening and La Capitol checking account | 4.55% | $2,492 |
Sources (1)
- lacapfcu.org/rates · captured Oct 16, 2026
37-Month Share Certificate
4.50%APY · 1 term
Membership required ($5.00 par share balance). Qualify to open a separate, high-yield Companion Savings Account earning 3.25% APY. Additional deposits not allowed during the term. Early withdrawal penalty may apply. At maturity, renews as a 1-year Thrifty Saver, Super Saver, or Mega Saver certificate based on balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 37 monthsAPY up to 4.50%. Effective date 10/09/2026 | 4.50% | $1,454 |
Sources (1)
- lacapfcu.org/share-certificates · captured Oct 16, 2026
Mega Saver Share Certificate with One-time Bump
Up to 4.50%APY · 5 terms
Membership required ($5.00 par share balance). Additional deposits not allowed. One-time request permitted during term to adjust dividend rate to the effective dividend rate of the Mega Share Certificate of the same term limit; new rate applies for the remaining term. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAPY 3.80% with $100,000 minimum opening | 3.80% | $380 |
| 12 monthsAPY 4.20% with $100,000 minimum opening and La Capitol checking account | 4.20% | $420 |
| 24 monthsAPY 3.90% with $100,000 minimum opening | 3.90% | $795 |
| 24 monthsAPY 4.30% with $100,000 minimum opening and La Capitol checking account | 4.30% | $878 |
| 36 monthsAPY 4.00% with $100,000 minimum opening | 4.00% | $1,249 |
| 36 monthsAPY 4.40% with $100,000 minimum opening and La Capitol checking account | 4.40% | $1,379 |
| 48 monthsAPY 4.05% with $100,000 minimum opening | 4.05% | $1,721 |
| 48 monthsAPY 4.45% with $100,000 minimum opening and La Capitol checking account | 4.45% | $1,902 |
| 60 monthsAPY 4.10% with $100,000 minimum opening | 4.10% | $2,225 |
| 60 monthsAPY 4.50% with $100,000 minimum opening and La Capitol checking account | 4.50% | $2,462 |
Sources (1)
- lacapfcu.org/share-certificates · captured Oct 16, 2026
Thrifty Saver Share Certificate
Up to 4.45%APY · 5 terms
Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAPY 3.75% with $1,500 minimum opening | 3.75% | $375 |
| 12 monthsAPY 4.15% with $1,500 minimum opening and La Capitol checking account | 4.15% | $415 |
| 24 monthsAPY 3.85% with $1,000 minimum opening | 3.85% | $785 |
| 24 monthsAPY 4.25% with $1,000 minimum opening and La Capitol checking account | 4.25% | $868 |
| 36 monthsAPY 3.95% with $500 minimum opening | 3.95% | $1,232 |
| 36 monthsAPY 4.35% with $500 minimum opening and La Capitol checking account | 4.35% | $1,363 |
| 48 monthsAPY 4.00% with $500 minimum opening | 4.00% | $1,699 |
| 48 monthsAPY 4.40% with $500 minimum opening and La Capitol checking account | 4.40% | $1,880 |
| 60 monthsAPY 4.05% with $500 minimum opening | 4.05% | $2,196 |
| 60 monthsAPY 4.45% with $500 minimum opening and La Capitol checking account | 4.45% | $2,432 |
Sources (1)
- lacapfcu.org/rates · captured Oct 16, 2026
15-Month Saver Special Share Certificate
3.70%APY · 1 term
Membership required ($5.00 par share balance). Dividends compounded and credited monthly. Additional deposits not allowed. Early withdrawal penalty applies. At maturity, renews as a 1-year Thrifty Saver, Super Saver, or Mega Saver certificate based on balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsEarn up to 3.70% APY | 3.70% | $465 |
Sources (1)
- lacapfcu.org/share-certificates · captured Sep 18, 2026
6 Month Share Certificate
3.50%APY · 1 term
Fixed APY. Dividends compounded and credited monthly. Substantial penalty for early withdrawal. Effective date 10/09/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY 3.50%. Effective date 10/09/2026 | 3.50% | $173 |
Sources (1)
- lacapfcu.org/rates · captured Oct 16, 2026
91-Day Share Certificate
2.25%APY
Fixed APY. Dividends credited at maturity. Substantial penalty for early withdrawal. Effective date 10/09/2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY 2.25%. Effective date 10/09/2026.Any balance | 2.25% | $225 | APY 2.25%. Effective date 10/09/2026. |
Sources (1)
- lacapfcu.org/rates · captured Oct 16, 2026
Special-purpose accounts
Bonus IRA Account
7.00%APY
Term matures on Dec. 31 of contribution year. Available on new contributions made to account this year; transfers and rollovers do not qualify. Dividends earned are posted and compounded monthly. Substantial penalties for early withdrawal. Effective date 10/09/2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY 7%. Effective date 10/09/2026.Any balance | 7.00% | $700 | APY 7%. Effective date 10/09/2026. |
Sources (1)
- lacapfcu.org/individual-retirement-accounts · captured Oct 16, 2026
IRA Certificate Account
Up to 4.35%APY · 1 term
Available as a Traditional or Roth IRA. Additional 0.40% APY when La Capitol checking account is included. Dividends earned are posted and compounded monthly. Substantial penalties for early withdrawal. Effective date 10/09/2026.
| Term | APY · $650 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 24 monthsAPY 3.95% with $650 minimum opening | 3.95% | — | 3.95% | $806 |
| 24 monthsAPY 4.05% with $20,000 minimum opening | — | 4.05% | —4.05% from $20k | — |
| 24 monthsAPY 4.35% with $650 minimum opening and La Capitol checking account | 4.35% | — | 4.35% | $889 |
| 24 monthsAPY 4.45% with $20,000 minimum opening and La Capitol checking account | — | 4.45% | —4.45% from $20k | — |
Sources (1)
- lacapfcu.org/individual-retirement-accounts · captured Oct 16, 2026
Who can join La Capitol Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.