Home state: Louisiana

    LA CAPITOL mortgage rates

    LA CAPITOL's lowest publicly advertised 30-year fixed rate today is 6.375% — the national average is 6.88%. That's about $48,086 saved over the life of a $400,000, 30-year loan. We track LA CAPITOL daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from LA CAPITOL

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.375%6.597%1.75Sep 11, 2026Visit
    20 Year Fixed6.125%6.193%0Sep 11, 2026Visit
    15 Year Fixed5.875%5.959%0Sep 11, 2026Visit
    10 Year Fixed5.75%5.869%0Sep 11, 2026Visit

    Rate history

    Lowest daily rate LA CAPITOL advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join LA CAPITOL

    La Capitol FCU membership is open to those who live, work, worship, or attend school in the City of Baton Rouge, or the underserved areas of Allen, Grant, Jefferson, Lincoln, Natchitoches, Orleans, Ouachita, Plaquemines, Rapides, St. Bernard, St. Charles, St. John the Baptist, Terrebonne, or Tangipahoa parishes. Students, faculty, and alumni of ULM, Delgado CC, Louisiana Tech, Nunez CC, Northwestern State (NSU), Baton Rouge CC, and Southeastern Louisiana University also qualify, as do employees of select employer groups and Louisiana state agencies without their own credit union. Immediate family (spouse, sibling, child/stepchild, grandchild, parent/stepparent, grandparent, or extended family in the same household) of a member qualifies. Anyone else can join by becoming a member of the Louisiana Association for Personal Financial Achievement (ACHIEVE); membership fees apply.

    Employer
    University of Louisiana at Monroe (ULM), Delgado Community College, Louisiana Tech University, Nunez Community College, Northwestern State University (NSU), Baton Rouge Community College (BRCC), Southeastern Louisiana University (SLU), Select employer groups, Louisiana state agencies without their own credit union
    Association / SEG
    Louisiana Association for Personal Financial Achievement (ACHIEVE)
    County
    Allen Parish, LA, Grant Parish, LA, Jefferson Parish, LA, Lincoln Parish, LA, Natchitoches Parish, LA, Orleans Parish, LA, Ouachita Parish, LA, Plaquemines Parish, LA, Rapides Parish, LA, St. Bernard Parish, LA, St. Charles Parish, LA, St. John the Baptist Parish, LA
    City
    Baton Rouge, LA

    Where LA CAPITOL writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with LA CAPITOL.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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