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    LA CAPITOL mortgage rates

    LA CAPITOL's lowest publicly advertised 30-year fixed rate today is 6.978% APR — the national average is 7.147%. That's about $16,385 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read LA CAPITOL's rates every weekday, starting around 11 a.m. Central.

    We last read LA CAPITOL's rates page on Nov 2, 2026. LA CAPITOL dates its published rate sheet Oct 9, 2026.

    Today's rates from LA CAPITOL

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%6.978%1.75Nov 2, 2026
    Lender's sheet dated Oct 9, 2026
    Visit
    20 Year Fixed6.5%6.569%—Nov 2, 2026
    Lender's sheet dated Oct 9, 2026
    Visit
    15 Year Fixed6.25%6.335%—Nov 2, 2026
    Lender's sheet dated Oct 9, 2026
    Visit
    10 Year Fixed6.125%6.245%—Nov 2, 2026
    Lender's sheet dated Oct 9, 2026
    Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the 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
    Select employer groups, Louisiana state agencies without their own credit union, 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)
    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

    LA CAPITOL publishes mortgage lending in 1 state.

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

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