La Capitol FCU Louisiana REALTORS Resources

We Are Your Credit Union

It is our mission to improve the ﬁnancial well-being of our members. As your credit union, we support your efforts to have happy and healthy members. We do this by offering credit union membership to Louisiana REALTORS.^® Membership with La Cap means more than just opening an account. It means access to financial wellness programs, access to low rates on loans, and preferred pricing on insurance such as auto, home, and life. All of this is delivered with a high level of service and a welcoming attitude.

The La Cap suite of financial products and services includes:

Checking and savings
Share certificates
Individual Retirement Accounts (IRAs)
Personal loans
Auto loans and refinancing
Credit cards
Mortgage loans and refinancing
Access to shared branches across the nation through Co-op Shared Branching
And much more!

Offers For You

La Cap members have exclusive access to some of the best financial offers in town.

Complementary AD&D insurance¹
La Cap members can get $1,000 of coverage, paid for by the credit union and provided by CMFG Life Insurance Company, or they can choose an additional $300,000 AD&D coverage from CMFG Life at affordable rates. Learn more
Life Insurance Quotes²TruStage Life Insurance, exclusively for credit union members, helps you protect the people who matter most.
Auto Insurance Quotes³TruStage Auto provides affordable top-quality protection for credit union members. Enjoy discounted rates combined with online convenience and 24/7 claims service.

Home Insurance Quotes³TruStage makes it easy to switch and save on home, condo or renters insurance. Find out about the options available to La Cap members.
BaZing Checking Benefits^{4
Adding BaZing to a Choice or Simple Checking accounts provides amazing benefits including deals at stores and restaurants in your area and across the country, and other services like cell phone protection and roadside assistance.}
Membership Rewards⁵Membership Rewards are one of the ways we celebrate our members and thank them for using La Cap products. Got a La Cap checking account? You're already on your way to a $20 reward!⁵
Special Promotions
For a limited time, you could get $100 when you open a new La Cap checking account.⁶ Learn more

For Your Business

Economy Business Checking gives businesses like yours the checking power they need to grow with confidence and make an impact in their community. Visit your local branch to open an account today.

Minimum opening deposit - $50
Low balance fee - N/A
Monthly fee - $17*
75 withdrawal transactions allowed per month ($0.25 per additional)
Cash deposited per month - $3 fee per $1,000 cash deposit

The following applies to all La Cap Checking accounts: Membership is required a Regular Savings Account with a $5.00 par balance. Checking account approval is based on the evaluation of creditworthiness. Unless otherwise stated overdraft programs are available for additional fees please see the fee schedule for specific services and fees. Some restrictions apply. Please contact a La Cap representative for additional details.

*Any checking account enrolled in eStatements will receive a monthly service charge waiver of $2 per month while enrolled in eStatements. To sign up for eStatements, you must first be enrolled in Online Banking.

1 TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

2 TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
LIFE-1112-C9B

3 TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
MAH-1112-7C9E

4 BaZing is available with Choice Checking and Simple Checking accounts. The fee is $4.99 per month. Cell phone and personal identity protection are services provided by a third party and are subject to additional terms and conditions. Separate activation for these benefits is required. To activate identity monitoring, please go to www.bazing.com, log in, select Protection under Categories, and follow the easy sign-up steps.

5 Membership Rewards

Reward Period: July 1st – June 30th

Qualifications: By October 1st members who meet the below qualifications will receive a reward payout in accordance with the below payout schedule. Consumer member, age 18 or older, with an active personal checking account with an average monthly daily balance of $1,000 or greater or a minimum of 10 posted debit card purchases each month (minimum of 10 months in 12 month period) during the Reward Period. Member must be enrolled in online banking and e-statements to qualify for rewards. Account must still be open on October 1 to qualify.

Ineligibility: The following are not eligible: members with a loan or deposit charge-off, those with a loan delinquent by 60 consecutive days or more during the Reward Period; business members and trust accounts with an EIN; business accounts under personal memberships.

Payout Schedule: checking account with an average monthly daily balance of $1,000 or greater or a minimum of 10 posted debit card purchases each month (minimum of 10 months in 12 month period) - $20 payout; savings account with a minimum balance of $1,000 (excludes IRAs and certificates) - $10 payout; auto loan with original loan amount of $15,000 or greater - $10 payout; credit card with minimum of 50 transactions in 12 month period - $10 payout; first mortgage or second mortgage with original loan amount $50,000 or greater - $30 payout. Reward posts to the member’s primary savings account by October 1st and may be reportable on IRS form 1099-MISC.

Limitations: To receive reward, membership during the Reward Period and on the reward payment date is required. Account relationships, balances and activity requirements are based on a single member number. Limit one checking and one savings account per member number. Program subject to change.

6 Reward/Account Information: This offer is only available to employees of La Capitol FCU Select Employer Groups and members of Louisiana REALTORS^® who open new La Capitol FCU checking accounts during the promotional period and use the promotional code when applying to open the account. Only one checking account-related reward per household. Offer not available to existing La Cap checking accounts or able to be combined with any other offer. The advertised reward is considered a bonus and reportable on IRS Form 1099-INT(or Form 1042-S). To receive the advertised reward: 1) Open a new La Cap checking account, which is subject to approval; AND 2) Keep the account active and in good standing for 180 days from the new checking account opening date; AND 3) Within the 180 days, set up direct deposit; AND, enroll in online banking. We will deposit the stated reward to your account once the 180 days have passed, all of the above requirements have been met, and your account is restriction free and in good standing. La Capitol Federal Credit Union reserves the right to limit eligibility for this offer and checking accounts opened per tax identification number (TIN). Reward is limited to the first 100 applicants who open checking accounts using the promotional code. Promotion may end at any time as determined by the credit union.

7 Equal housing lender. NLMS #411413. Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

8 PMI = Private Mortgage Insurance. Other conditions apply, including but not limited to appraisal, title, and maximum loan amount of $300,000. Maximum DTI (Debt to Income ratio) 40%. Minimum credit score of 700. No slow payments in the last 24 months. 24 months of previous mortgage history or rental history. Judgments, liens, voluntary or involuntary repossessions, charge-offs, federal and state tax liens must all be paid in full and released prior to closing. No open or active mortgage(s) allowed in order to qualify for this product. Minimum 24 months of verified employment in the same or related field. Two years of W-2s and tax returns are required. Seller contribution up to 6% allowed. Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

Welcome to La Cap

What We Can Do for You

We Are Your Credit Union

Offers For You

For Your Business

Mortgage Products

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