Credit union · NCUA insured
La Capitol Federal Credit Union Savings Rates
La Capitol Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How La Capitol Federal Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Regular Savings
Top rate
Baton Rouge Telco FCU
3.85%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Ascension Credit Union
3.60%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $360
La Capitol Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Savings
0.10%APY
Primary savings account required for membership ($5.00 par balance). Monthly service fee is waived if there is an active loan account or certificate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned are posted and compounded monthly. Each day account balance exceeds $100.00, dividends are earned on the entire balance. Minimum balance to avoid service fee is $100.00 (waived with active loan or certificate).$100 and up | 0.10% | $10 | Dividends earned are posted and compounded monthly. Each day account balance exceeds $100.00, dividends are earned on the entire balance. Minimum balance to avoid service fee is $100.00 (waived with active loan or certificate). |
Sources (3)
All captured Oct 16, 2026
Special Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited monthly. Minimum balance to avoid service fee is $100.00; minimum balance to earn dividends is $100.00.$100 and up | 0.10% | $10 | Dividends compounded and credited monthly. Minimum balance to avoid service fee is $100.00; minimum balance to earn dividends is $100.00. |
Special-purpose accounts
Bonus IRA
7.00%APY
Bonus IRA is a term share account available as Traditional or Roth. APY applies only to new contributions made to the account this year; transfers or rollovers do not qualify. Dividends compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaturity date is Dec. 31 of contribution year.Any balance | 7.00% | $700 | Maturity date is Dec. 31 of contribution year. |
Sources (1)
- lacapfcu.org/individual-retirement-accounts · captured Oct 16, 2026
Coverdell Education Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
All captured Oct 16, 2026
Floating Rate IRA
0.25%APY
Variable rate account with no maturity; rate tied to financial index. Available as Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to earn disclosed APY.Any balance | 0.25% | $25 | No minimum deposit required to earn disclosed APY. |
Sources (1)
- lacapfcu.org/individual-retirement-accounts · captured Oct 16, 2026
Christmas Club Savings
0.10%APY
Funds automatically transfer to regular/primary share savings on November 1st of each year. Early withdrawal fee of $25.00 applies per withdrawal before end of club term; early closure prevents reopening until January 1st of following year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBeginning 90 days after account opening, a low balance fee is assessed each month the balance is less than $100. Minimum daily balance of $100.00 required each day to earn dividends. Dividends compounded and credited monthly.$100 and up | 0.10% | $10 | Beginning 90 days after account opening, a low balance fee is assessed each month the balance is less than $100. Minimum daily balance of $100.00 required each day to earn dividends. Dividends compounded and credited monthly. |
Vacation Club Savings
0.10%APY
Funds automatically transfer to regular/primary share savings on May 1st of each year. Early withdrawal fee of $25.00 applies per withdrawal before end of club term; early closure prevents reopening until January 1st of following year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBeginning 90 days after account opening, a low balance fee is assessed each month the balance is less than $100. Minimum daily balance of $100.00 required each day to earn dividends. Dividends compounded and credited monthly.$100 and up | 0.10% | $10 | Beginning 90 days after account opening, a low balance fee is assessed each month the balance is less than $100. Minimum daily balance of $100.00 required each day to earn dividends. Dividends compounded and credited monthly. |
Youth Savings
0.10%APY
At account opening, La Cap deposits an additional $25. Monthly service fees are waived for account owners under 17 years of age; at age 17, monthly service fees apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited monthly. Each day balance exceeds $100.00, dividends are earned on the entire balance. Minimum balance to avoid service fee is $100.00 (waived for owners under 17).$100 and up | 0.10% | $10 | Dividends compounded and credited monthly. Each day balance exceeds $100.00, dividends are earned on the entire balance. Minimum balance to avoid service fee is $100.00 (waived for owners under 17). |
Sources (3)
All captured Oct 16, 2026
Closed to new customers
Elite Saver Plus
1.50%APY
Available only to credit union members with an active Choice Checking or Liquid Assets account. If the qualifying account is closed, Elite Saver Plus is converted to a Regular Savings (Share) Account. $2.00 monthly statement fee waived if enrolled in e-statements or for members under 17 or over 60.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $100,000Tier 1 rate. Monthly fee of $25.00 assessed if balance falls below $10,000.00 any day during the month. Dividends calculated by daily balance method, compounded and paid monthly. | 1.50% | $150 | Tier 1 rate. Monthly fee of $25.00 assessed if balance falls below $10,000.00 any day during the month. Dividends calculated by daily balance method, compounded and paid monthly. |
| $100,000 – $250,000Tier 2 rate. Monthly fee of $25.00 assessed if balance falls below $10,000.00 any day during the month. Dividends calculated by daily balance method, compounded and paid monthly. | 1.00% | — | Tier 2 rate. Monthly fee of $25.00 assessed if balance falls below $10,000.00 any day during the month. Dividends calculated by daily balance method, compounded and paid monthly. |
| $250,000 and upTier 3 rate. Monthly fee of $25.00 assessed if balance falls below $10,000.00 any day during the month. Dividends calculated by daily balance method, compounded and paid monthly. | 0.50% | — | Tier 3 rate. Monthly fee of $25.00 assessed if balance falls below $10,000.00 any day during the month. Dividends calculated by daily balance method, compounded and paid monthly. |
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.