Find the latest La Capitol Federal Credit Union CD Rates, Offers, and Promotions here.
Best CD Rates: Bump Rate Share Certificates – 16-month (3.49% APY) and 26-month (3.59% APY), $1k 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 | 3.49% | $1,000 |
| 26-Month | 3.59% | $1,000 |
*The above rates are accurate as of 08/25/2022*
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 $1,000, 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: $1,000
- Maximum deposit: None
- Early withdrawal penalty: A penalty may be imposed equaling 180 days dividends on entire balance
(NCUA Insured)
| Compare to the best CDs such as Sallie Mae Bank 27-Month CD (5.00% APY), Sallie Mae Bank 23-Month CD (4.85% APY), CIT Bank 18-Month CD (4.60% APY), Blue Federal Credit Union 15-Month CD (4.80% APY), Quontic Bank 60-Month CD (4.45% APY), Sallie Mae 14-Month No-Penalty CD (4.40% APY), and CIT Bank 11-Month No-Penalty CD (4.10% 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 up to 3.59% APY. All you need to do is to pick your CD term, and have a minimum opening deposit of $1,000.
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:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month 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.
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