La Capitol Federal Credit Union


Overview / Commentary
225-342-5055
700 Main St
Baton Rouge, LA 70802-5501

La Capitol Federal Credit Union is headquartered in Baton Rouge and is the 6th largest credit union in the state of Louisiana. It is also the 562nd largest credit union in the nation. It was established in 1961 and as of December of 2021, it had grown to 166 employees and 52,241 members at 16 locations. La Capitol Federal Credit Union has an A+ health rating.

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.
See current membership details

4.25% Only On First 3K Rewards Checking. 2% On Next 7K

Posted by: |

Read the fine print before joining. Too bad that the rate is not a true 4.25% for 10K

Best Tellers Worst Banking Experience

Posted by: |

Best tellers but worst banking experience ever. 1. Their 24 hour service is really not 24 hours. Just someone who picks up the phone, asks you all your financial information only to tell you you have to wait until the branch opens up and branch will be able to assist. 2. Even though I'm enrolled in the protection plan (where if a check goes through but the money is not in your account yet they charge the $30 NSF fee but pays the amount)... well I found out even though my money hit the next day, that's up to their discretion if they cover the cost. So I basically was charged a NSF Fee and not covered (FML). 3. After the 2016 flood, I really needed to borrow money for an emergency, of course my financial state (credit score) wasn't the best BUT IMO they could see my direct deposits, decades of banking to them and they would be the FIRST to get their money. I knew my taxes would hit in a couple weeks but this was a real emergency. Well basically got denied, luckily I was able to hold off until my taxes hit but they're not the place to go to when it comes to helping their loyal customers in hard times but have the nerve to ask me if I want to apply for a loan everytime I withdraw... um no, I already know how you all feel about less than perfect hardships why would I want to come to you when I'm doing great. 4. Imagine if they had a program that actually helped like Neighbors. Sad I went to another credit union that actually helped and not let you SINK like LaCap FCU. If you have excellent credit this is the bank for you but don't ever get a divorce and fall short they will let you DROWN. 5. Let me not forget to mention how hard it is to link my bank account to PayPal. I canceled my cards since they don't give AF and I can't even link my account to another source?! I'm so disgusted with this bank. To top all of this off, I just changed my password so I must have keyed it wrong only twice, well I'm locked out until Monday... and it's Friday, I just got paid and It's Christmas weekend. Yes FML and since I have nothing but time and no access to my cash, I'm taking the time to write this well over due review. 6. They turned off google reviews so that says more than enough for me. This is my experience.

Online Statement Of Terms Unclear

Posted by: |

They make it sound as if all you need to do to earn 4.25% on $10K and avoid service fees is maintain an average daily balance of $1K. This is false. To get the high interest you must do 20 debits a month (or 15 if you join Bazing, which costs $5 a month). If you don't make the 20 debits, you must keep an avg. daily balance of $1K to avoid the $8 service fee. I tried to get them to clarify the rules online, but they have not done so. I closed my accounts after having blown the $20 fee to join Achieve (required for membership).

Disappointed

This is the worst agency to do business with. I don’t ever leave reviews but I am now cause this agency is horrible from the ground up. Not going to go into details cause that’s a lot of typing but I’m doing y’all a favor and informing y’all that this agency is absolutely the worse agency to do business with.. have a good day

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Health
A+

Health Grade Components

Overall
NCUA #14568
Year Chartered1961
Employees166
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD7.91%
Annual Interest Income$21.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$684.8MM$609.6MM
LoansQ4 2021vs Q4 2020$515.3MM$456.8MM
DepositsQ4 2021vs Q4 2020$607.5MM$547.3MM
Equity CapitalQ4 2021vs Q4 2020$73.9MM$59.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$1.4MM$1.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.9MM$1.7MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not La Capitol Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

La Capitol Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%--Bonus IRA
0.25%--IRA Floating Rate Account
0.25%--IRA Floating Rate Account with La Cap Checking
0.25%--Coverdell Education Savings
0.20%$5k-Elite Saver Savings
0.10%$100-Regular Savings
0.10%$100-Special Savings
0.10%$100-Christmas Club Savings
0.10%$100-Vacation Club Savings
0.10%$100-Youth Savings

La Capitol Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*-$3kChoice Checking
OTHER TIERS: 0.10% $10k+ | 2.00% $3k - $10k
0.10%$2.5k-Liquid Assets Checking

La Capitol Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%$100k-5 Year Super Saver Share Certificate with La Cap Checking
1.25%$100k-4 Year Super Saver Share Certificate with La Cap Checking
1.25%$500-5 Year Thrifty Saver Share Certificate with La Cap Checking
1.20%$500-4 Year Thrifty Saver Share Certificate with La Cap Checking
1.10%$100k-3 Year Super Saver Share Certificate with La Cap Checking
1.05%$500-3 Year Thrifty Saver Share Certificate with La Cap Checking
0.90%$100k-5 Year Super Saver Share Certificate
0.90%$100k-2 Year Super Saver Share Certificate with La Cap Checking
0.85%$500-5 Year Thrifty Saver Share Certificate
0.85%$100k-4 Year Super Saver Share Certificate
0.85%$1k-2 Year Thrifty Saver Share Certificate with La Cap Checking
0.80%$500-4 Year Thrifty Saver Share Certificate
0.70%$100k-3 Year Super Saver Share Certificate
0.70%$100k-1 Year Super Saver Share Certificate with La Cap Checking
0.65%$500-3 Year Thrifty Saver Share Certificate
0.65%$1.5k-1 Year Thrifty Saver Share Certificate with La Cap Checking
0.50%$100k-2 Year Super Saver Share Certificate
0.45%$1k-2 Year Thrifty Saver Share Certificate
0.30%$100k-1 Year Super Saver Share Certificate
0.25%$1.5k-1 Year Thrifty Saver Share Certificate
0.22%$2.5k-6 Month Share Certificate
0.18%$5k-91 Day Share Certificate

La Capitol Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$20k*-2 Year IRA Certificate Account with La Cap Checking
OTHER TIERS: 0.90% $5k - $20k
0.55%*$20k*-2 Year IRA Certificate Account
OTHER TIERS: 0.50% $5k - $20k
Locations

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