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CHECKING ACCOUNTS
Automated Checking
- NO MONTHLY SERVICE CHARGE
- No minimum balance required
- FREE unlimited check-writing
- Automatic deposit of net check to Checking using Direct Deposit, Payroll Deduction or routine ATM deposits
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Economy Checking
- NO MINIMUM BALANCE REQUIRED
- $5 monthly service charge
- FREE unlimited check-writing
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Liquid Assets Checking
- NO MONTHLY SERVICE CHARGE
- $2,500 min. balance required (low balance fee $6)
- FREE unlimited check-writing
- EARNS INTEREST!
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Student Checking
- NO MONTHLY SERVICE CHARGE
- No minimum balance required
- FREE unlimited check-writing
- Available to students age 15 and over while enrolled in high school or college
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BENEFITS
- FREE ONLINE account access
- Manage your accounts
- View check images
- Setup recurring transfers
- Receive email alerts
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FREE Bill Payer Service makes paying bills easy. Online or by phone, it's a breeze!
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FREE VISA Check Card - Accepted like a credit card, but works like a check at locations worldwide, plus it works as an ATM card for instant cash withdrawals at ATMs nationwide
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4 FREE network ATM transactions per month
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FREE Point of Sale (POS) debit transactions using your VISA Check Card instead of checks
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Automatic deposit methods make paydays hassle-free
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FREE Day or Night phone access to your La Cap Checking, using TEL-a-CAP, our telephone transaction service
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FREE Overdraft Protection using your La Cap VISA
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FREE check printing for members over age 65 (La Cap design)
SAVINGS ACCOUNTS
La Cap Savings Accounts earn a competitive dividend and offer a variety of automatic deposit and access services to help make saving easier and more rewarding. Your savings are federally insured to $100,000 by NCUA, a U.S. government agency.
Regular Savings (Shares)
- Foundation of La Cap membership
- Minimum balance requirement - $5**
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Special Savings (Shares)
- Named for anything you want
- Open as many as you like and save for special purposes
- Minimum balance requirement - $100**
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Christmas Club Savings (Shares)
- Can be opened at any time of the year using automatic deposit methods
- Minimum balance requirement - $100**
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Regular Savings (Shares) Account for Children
- Money for a college education
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**Minimum balance requirements
You must maintain a minimum average daily balance of $100 in your account to avoid a low balance fee. If, during any month, your account balance falls below the required minimum average daily balance, your account will be subject to a low balance fee of $2. |
SAVINGS DETAILS
Type |
Annual Percentage Yield |
Minimum Opening Balance |
Minimum Required Balance to Avoid Service Fee |
Dividend Com-
pounded and Credited |
Minimum Required Balance to Earn Dividends |
| Regular Savings |
1.55% |
$5.00 |
$100.00* |
Monthly |
$100.00 |
| Special Savings |
1.55% |
$100.00 |
$100.00 |
Monthly |
$100.00 |
| Christmas Club Savings |
1.55% |
$100.00 |
$100.00 |
Monthly |
$100.00 |
| Liquid Assets Checking |
3.50% |
$2,500.00 |
$2,500.00 |
Monthly |
$2,500.00 |
*The monthly service fee on regular savings accounts is waived if there is an active loan account or certificate account.
Dividend and Annual Percentage Yield subject to change without notice.
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