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Note: I wonder if anybody can become eligible for the membership by joining Louisiana Association for Personal Financial Achievement (ACHIEVE).
Terms:
APY = Annual Percentage Yield. La Cap Checking (Share draft) Accounts are variable rate accounts. La Cap may change the dividend rate for your account as determined by the credit union Board of Directors. Dividends are posted and compounded monthly. No minimum balance required to maintain the account. Applicable fees and conditions could reduce the earnings on your account. Qualification to earn dividends: - 25 or more posted non-ATM debit card transactions per month: - 5.25% APY on balances up to but not exceeding $5,000
- .15% APY on balances exceeding $5,000. If qualification stated is not met: - .15% APY on entire balance. Must meet criteria for opening a checking account.Foreign ATM fees are charged when accessing a La Cap account through another financial institution's ATM. By signing up for eStatements on your All Access Advantage checking account, you can receive surcharge refunds of up to $25 per month on Foreign ATM fees. La Cap reserves the right to discontinue this feature at a future date.
Elite Saver: This savings account earns a higher rate than a Regular Savings account and is available only to members who have an All Access Advantage or Liquid Assets Checking account.
Membership eligibility:
You are eligible to open an account with La Cap if:
* You are employed by an agency of the State of Louisiana which does not have its own individual credit union.
* You 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.
* You are a student of University of Louisiana at Monroe (ULM), Louisiana Tech University, Northwestern State University (NSU), Southeastern Louisiana University (SLU), Delgado Community College, Nunez Community College, or Baton Rouge Community College (BRCC).
* You are employed by one of the select employee groups (SEG) accepted for La Cap membership.
* You are a qualifying relative of a La Cap member. A qualifying relative is a spouse, child, parent, brother, sister, stepchild, stepparent, grandchild, or grandparent of a La Cap member.
* You are a member of the Louisiana Association for Personal Financial Achievement (ACHIEVE)
