Find the latest La Capitol Federal Credit Union CD Rates, Offers, and Promotions here.

Best CD Rates: Bump Rate Share Certificates – 16-month (5.15% APY) and 26-month (5.50% APY), $25k minimum deposit of new money, option of one rate increase, limited-time offer.

Availability: Nationwide, easy membership by joining Members of the Louisiana Association for Personal Financial Achievement ($20 membership fee).

Credit Inquiry: Hard Pull from your Equifax

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About La Capitol Federal Credit Union

La Capitol Federal Credit Union is headquartered in Baton Rogue, Louisiana and was founded in 1961. Since then they have grown to 18 locations and boast an A health rating.

La Capitol offers a vast array of products including CD options for all of your specific financial needs.

Eligibility: 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

Term	APY Rate	Minimum Deposit
16-Month	5.15%	$25,000
26-Month	5.50%	$25,000

*The above rates are accurate as of 10/3/2023*

La Capitol Federal Credit Union CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer a term, the higher APY rate you make.

With an opening deposit of $25,000, you can invest in a La Capitol Federal Credit Union CD account to maximize your earnings. Compare their offers now to find the solutions that fit best with your savings goals. Be sure to also check out the CD rates below to potentially find even better rates for you!

How does the bump-up option works?

During the term of the 16-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective dividend rate of the 1-year Thrifty Saver Certificate or 1-year Super Saver Share Certificate.

During the term of the 26-month Special Share Certificate, you are permitted to make a one-time request to adjust the dividend rate to the effective rate of the 2-year Thrifty Saver Certificate or 2-year Super Saver Certificate.

Minimum deposit: $25,000
Maximum deposit: None
Early withdrawal penalty: A penalty may be imposed equaling 180 days dividends on entire balance

CD Rates at La Capitol Federal Credit Union

(NCUA Insured)

Compare the best CD rates:
Western Alliance Bank 3-Month CD (4.50% APY)	Western Alliance Bank 12-Month CD (4.25% APY)
Ponce Bank 3-Month CD (4.25% APY)	Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY)
Sun Canyon Bank 11-Month CD (3.98% APY)	Ponce Bank 4-Month No-Penalty CD (4.15% APY)
Quontic Bank CD (Up to 4.25% APY)

La Capitol Federal Credit Union CD Features

Funding a Bump Rate Share Certificate can be done by ACH, wire, internal transfer, or check (if opened in-branch).
Online Banking
Unlimited beneficiaries can be designated
Earns Interest at a Competitive Rate
NCUA Insured

Bottom Line

La Capitol Federal Credit Union offers you a Bump Rate Share Certificates with competitive rates. All you need to do is to pick your CD term, and have a minimum opening deposit of $25,000.

This is ideal for accounts like Certificate of Deposits. Though the rates are worth checking out, be sure to still compare them with the nation’s best using our guides: CD Rates | Savings Rates.

While La Capitol Federal Credit Union does have competitive rates compared to traditional banks, I still recommend you take a look at Discover Bank Promotions here

This is a great opportunity to invest in a high-interest CD with a low balance from La Capitol Federal Credit Union. However, you may want to compare them with our best CD Rates:

Be sure to apply as soon as you can to start your new account experience and start earning higher rates. Check back often for the latest la Capitol Federal Credit Union CD rates!

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.