La Capitol Credit Union Hammond LA | Best Auto Loans & Business Banking

Introduction

Welcome to La Capitol, your trusted financial partner since 1961! Located at 1004 N Oak St, Hammond, LA 70401, we have been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With a strong membership base of over 53,187 members and total assets exceeding $761 million, we pride ourselves on our commitment to providing exceptional service and support. At La Capitol, we understand that financial success is about more than just numbers it's about fostering relationships within our community. Our leadership team, headed by CEO Michael Hooper and Board President Cynthia Rougeou, believes in putting our members first. Whether you're looking for personal banking options like checking and savings accounts or seeking loans for auto financing, mortgage needs, or business ventures, we've got you covered. Our branch operates with a friendly staff of 169 employees, ready to assist you during our lobby hours from 8:00 am - 5:00 pm on Mondays and Fridays, and from 9:00 am - 5:00 pm Tuesday through Thursday. While members can visit us at our Hammond location, official correspondence should be directed to the same address for convenience. We are proud of our financial stability, with total deposits reaching $26,323,990 and a net worth of $94,825,847. Additionally, we maintain over $3 million in cash reserves to ensure we are always prepared to meet your needs. With a variety of services including online and mobile banking options, ATMs for easy access, and drive-thru services for quick transactions, we aim to make banking as effortless as possible for you. Join us today at La Capitol where your financial journey is supported every step of the way. Have questions? Feel free to give us a call at 985-543-4200 or visit our website at lacapfcu.org for more information. Your path to financial wellness starts here!

Branch History & Mission

La Capitol has a rich history that began in 1961 when it first opened its doors in the heart of Hammond, LA. Since then, our credit union has grown tremendously, serving over 53,000 members and managing total assets of approximately $761 million. Our branch is conveniently located at 1004 N Oak St, Hammond, LA 70401, a spot that many in our community recognize as a welcoming place for financial services. From the start, La Capitol was built on the values of community support and member empowerment. Our mission is to provide accessible financial solutions while fostering a sense of belonging among our members. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's buying a new car, purchasing a home, or saving for the future. Our commitment extends beyond just banking services; we actively engage with our community through various outreach programs and partnerships designed to uplift and support local initiatives. We strive to make a positive impact in Hammond and surrounding areas by offering educational workshops on financial literacy and supporting local events. At La Capitol, we understand that convenience is key. That's why we offer digital banking options such as online banking and mobile payments, ensuring that our members can manage their finances anytime and anywhere. Additionally, we have an ATM available for quick cash access and a drive-thru service for those who prefer personal interaction without leaving their vehicle. While members can visit us at 1004 N Oak St for all their banking needs, official correspondence should be sent to the same address. Our operating hours are tailored to fit your schedule: from 8:00 am - 5:00 pm on Mondays and Fridays, and 9:00 am - 5:00 pm on Tuesdays through Thursdays. We invite you to join La Capitol Credit Union today! Experience the benefits of being part of a community-focused organization dedicated to helping you succeed financially. For more information about membership or to open an account, please contact us at 985-543-4200 or visit our website at www.lacapfcu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Connect With Us

Ready to experience hassle-free banking? Feel free to give us a call at 985-543-4200 if you have any questions or if you'd like more information about what we offer. We invite you to visit La Capitol today your trusted partner in finance right here in Hammond!

Convenient Access and Features

At La Capitol, we believe in making banking easy and comfortable for everyone. Our branch offers ample parking and is fully ADA compliant, featuring ramps and accessible entrances for those who need them. Plus, our drive-thru service allows you to conduct basic transactions without leaving your vehicle perfect for when you're on the go!

Operating Hours

We know that life can be busy, so we've tailored our operating hours to better serve you. Swing by our lobby from 8:00 am to 5:00 pm on Mondays and Fridays, or visit us from 9:00 am to 5:00 pm on Tuesdays through Thursdays. Whether you're coming in early or later in the day, we aim to accommodate your schedule.

Services at Your Fingertips

La Capitol isn't just about convenience; we're dedicated to providing a wide range of financial services. From personal checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Additionally, our shared service center allows members of partner credit unions to access basic transactions like deposits and withdrawals right here at our branch. With ATM availability right outside our door and online banking options available anytime, managing your finances has never been easier.

Member Eligibility

At La Capitol, we believe that becoming a member is like joining a family where everyone supports one another. If you're interested in joining us, you'll be pleased to know that eligibility is accessible and welcoming. To become a member, you should either live, work, worship, or attend school in the areas we serve or have a family member who is already part of our credit union community. This means that many people can take advantage of the valuable services we offer. For more detailed information on eligibility criteria, feel free to visit our dedicated page at http://www.lacapfcu.org/membership-rewards. Opening an account with us is simple! You can start your journey by visiting us at our branch located at 1004 N Oak St Hammond La 70401 or by calling us at (985) 543-4200 for any questions you might have. If you prefer to apply online, you can easily do so through this link: https://app.loanspq.com/apply.aspx?lenderref=lacapfcu061120&list=xasast. We can't wait to welcome you into the La Capitol family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the tools to manage your transactions seamlessly our merchant services provide just that. From payment processing to point-of-sale solutions, we help you streamline operations so you can focus on what matters most: running your business. By choosing La Capitol at 1004 N Oak St, Hammond, LA 70401, you're not just getting a bank; you're gaining a partner dedicated to your success. Explore how our range of services can elevate your business today! For more information, call us at 985-543-4200 or visit us online at La Capitol.

Tailored Financing Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $14 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $17,548,652, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For small business owners, we offer essential support through our business banking services, including merchant services and business loans. This means you can focus on growing your business while we take care of your banking needs.

Convenient In-Person Services

We understand that some members prefer face-to-face interactions. That's why we offer basic drive-thru banking for deposits and withdrawals along with shared branch transactions for partner credit union members. You'll find us ready to assist during lobby hours from 8:00 am - 5:00 pm on Monday and Friday, and from 9:00 am - 5:00 pm on Tuesday through Thursday. At La Capitol, we're not just about banking; we're about building relationships with our members. If you're ready to explore any of these services or have questions about how we can help you achieve your financial goals, don't hesitate to reach out at (985) 543-4200 or visit us online at http://www.lacapfcu.org. Join us today and experience the difference of a member-focused credit union!

Credit Card Options

Don't forget about our credit cards with rewards! With every purchase, you can earn points that lead to exciting rewards, making it easier to enjoy the things you love while managing your finances wisely.

Digital Banking Features

In today's fast-paced world, ease of access is key. That's why we provide robust online and mobile banking services. You can check balances, transfer funds, or even pay bills right from your smartphone or computer. Plus, our ATM services allow for quick cash withdrawals whenever you need them.

Personal Banking Solutions

When it comes to personal banking, we offer an array of options designed for convenience and flexibility. Our checking and savings accounts are perfect for managing day-to-day expenses while also helping you save for future goals. Looking for a new vehicle? Our auto loans and vehicle financing make getting behind the wheel easier than ever. If you're considering buying a home or refinancing your current mortgage, our mortgage loans are tailored to fit various budgets and situations. For those unexpected costs that life throws your way, our personal loans and debt consolidation options provide the financial relief you may need.

Digital & Online Banking

Key Services

Explore the ease of managing your money through our online banking platform. You can check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. Our mobile application makes banking even simpler, allowing you to perform all these tasks right from your smartphone. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with just a few taps. Plus, if you're looking for a quick way to sign documents, our electronic signature authorization makes it easy and secure no more printing or scanning required!

Secure and User-Friendly

We prioritize your security with every transaction. Rest assured that your information is protected while you enjoy the convenience of e-statements and mobile payments. Say goodbye to paper clutter; with e-statements available, you'll have instant access to your financial statements anytime. Our digital banking services are designed for everyone whether you're tech-savvy or just starting out. If you have any questions or need assistance, our team is ready to help. Join us at La Capitol for a modern banking experience tailored just for you!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, La Capitol is your trusted partner. For more information about how we can help you achieve your financial goals, visit us at 1004 N Oak St Hammond La 70401 or call (985) 543-4200 today! *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Dedicated Team

We also take pride in having 166 full-time employees and 3 part-time employees ready to assist you. Our team is knowledgeable and committed to providing you with the best possible service every time you visit us at 1004 N Oak St Hammond La 70401 or reach out via phone at (985) 543-4200.

Member-Centric Approach

Unlike traditional banks, we prioritize our members. Our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks. We believe that by focusing on our members' needs, we foster a community of support and trust.

Reinvestment in Services

With $64,530,328 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment to improvement means that you can expect continued enhancements in the services we provide.

Robust Lending Capacity

We understand the importance of lending in achieving your financial goals. With $4,478 in used auto loans and $584,430,112 in total loans and leases, our lending capacity supports members' financial aspirations across various sectors. Additionally, our $1,653,150 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for you.

Secure Savings Options

Members' savings are secured through $180,010,990 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares available, our focus remains on providing safe and effective savings solutions for all members.

Strong Financial Position

With a net worth of $94,825,847, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.45% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $79,001,717 in used vehicle loans and $269,569,010 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we can assist you with competitive financing options that suit your budget.

Credit Lines and Unsecured Loans

For those looking for flexible borrowing options, we offer credit lines totaling $148,670,109 as well as unsecured credit card loans amounting to $34,702,308. These products give you the flexibility to manage your finances effectively without tying up your assets.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $34,040,875, designed to fit various financial situations. Our team is ready to guide you through the process and help you secure the home of your dreams.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for our various products, our friendly staff is here to discuss how we can help streamline your financial obligations while potentially lowering your payments. At La Capitol, our commitment is not just about providing loans; it's about building lasting relationships with our members through personalized service and support. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We encourage you to visit us or contact us today to learn more about how our loan products can work for you!

Loan Aggregator

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LA CAPITOL FEDERAL CREDIT UNION - Hammond, LA

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