Simplified IOLTA Accounts with Elevated Interest Rates
A smart solution for handling client funds and championing equal access to justice.
Key Features
- No Monthly Fees
- Prime Partner-level interest earnings
- Supports legal aid across Texas
- Compliant and easy to manage
- Special Trust Account for Attorneys: Holds client funds that are too small or short-term to earn net interest for the client.
- Compliance-Ready: Meets Texas IOLTA program requirements for attorneys and legal professionals.
- Interest Earning: Automatically channels earned interest to support legal aid for low-income Texans.
- No Monthly Fees: Maintain your client trust account with no maintenance or service charges.
- Capitol Credit Union joined the Texas Access to Justice Foundation’s (TAJF) Prime Partner program to support an important initiative that helps make legal assistance more accessible for thousands of Texans.
- CCU pays 75% of the Federal Funds Rate on IOLTA accounts, exceeding standard interest to maximize your impact.
- By joining this initiative, Capitol Credit Union is playing a direct role in expanding funding for legal aid services across Texas - especially for the state’s most vulnerable residents.
An IOLTA (Interest on Lawyers' Trust Account) is a type of checking account used by attorneys to hold client funds that are too small or held for too short a time to earn interest for the individual client. The interest earned is instead remitted to the state’s IOLTA program to fund legal aid and justice initiatives.
Interest on Lawyers Trust Accounts (IOLTA): This account is subject to the rules and regulations of the IOLTA program. Interest earned on IOLTA accounts will be remitted to the Texas Access to Justice Foundation to provide legal aid to low-income individuals. By opening an IOLTA account, you agree to these conditions and support the important work of the Texas Access to Justice Foundation.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 60 months | as low as 4.79%* | $17.48 |
| up to 66 months | as low as 5.19% | $17.42 |
| up to 72 months | as low as 5.69% | $16.56 |
| up to 84 months | as low as 6.19% | $14.86 |
*4.99% on new loans, not eligible for in-house refinance - 5.49% for internal refi
Business Plus Checking
| Balance | Annual Percentage Yield (APY) |
|---|---|
| 0 - $2,499.99 | - |
| $2,500 - $49,999.99 | 0.65% |
| $50,000 - $99,999.99 | 0.75% |
| $100,000 - $149,999.99 | 0.85% |
| $150,000 - $249,999.99 | 0.95% |
| $250,000+ | 1.70% |
Business Savings
| Balance | Annual Percentage Yield (APY) |
|---|---|
| 0 - $2,499.99 | 0.05% |
| $2,500 - $49,999.99 | 1.05% |
| $50,000 - $99,999.99 | 1.05% |
| $100,000 - $149,999.99 | 1.15% |
| $150,000 - $249,999.99 | 1.25% |
| $250,000+ | 2.00% |
Home Equity Loans
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 60 months | as low as 5.49% | $19.27 |
| up to 120 months | as low as 5.79% | $11.16 |
| up to 180 months | as low as 5.99% | $8.64 |
| up to 240 months | as low as 6.49% | $7.62 |
IRA Share Certificates: $1,000.00 or Greater
| Certificate Term | Dividend Rate |
|---|---|
| 3 Month IRA Certificate | 3.00% |
| 6 Month IRA Certificate |
3.95% |
| 12 Month IRA Certificate | 4.10% |
| 18 Month IRA Certificate | 4.05% |
| 24 Month IRA Certificate | 3.85% |
| 36 Month IRA Certificate | 3.70% |
| 48 Month IRA Certificate | 3.50% |
| 60 Month IRA Certificate | 3.45% |
Membership Required. Rates subject to change without notice. $1,000 minimum opening deposit required. Only New money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty will apply. Early withdrawals may result in penalties. Terms of less than 12 months lose 90 days’ interest. Terms 12 months to less than 36 months lose 180 days’ interest. Terms of 36 months or longer lose 270 days’ interest. The penalty will be deducted from earnings and may reduce principal balance. New money is defined as money not currently on deposit with Capitol Credit Union.
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| 0 - $15,000.00 | 5.84% | 6.00% |
| $15,000.01+ | 1.00% | 6.00% to 1.65% |
| All balances if qualifications not met | 0.05% | 0.05% |
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| 0 - $100,000 | 3.93% | 4.00% |
| $100,000+ | 1.08% | 4.00% to 1.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
Lines of Credit/Credit Card
| Product | Term | Annual Percentage Rate | Minimum Payment |
|---|---|---|---|
| Personal Line of Credit | Revolving | as low as 10.99% | $25.00 |
| Visa Classic Credit Card | Revolving | as low as 10.99% | Greater of 3% of balance or $30.00 |
| Visa Capitol Rewards Credit Card | Revolving | as low as 11.99% | Greater of 3% of balance or $30.00 |
Non-collateralized Loans
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 60 months | as low as 10.99% | $21.41 |
| up to 72 months | as low as 11.99% | $19.17 |
| up to 84 months | as low as 12.99% | $17.72 |
Other Collateralized Loans (Boat, Motorcycle, Camper, ATV, Etc.)
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 60 months | as low as 7.29% | $20.04 |
| up to 72 months | as low as 7.79% | $17.54 |
| up to 84 months | as low as 8.29% | $15.84 |
| up to 120 months | as low as 8.79% | $12.67 |
| up to 180 months | as low as 9.29% | $10.45 |
Plus Money Market
| Balance | Annual Percentage Yield (APY) |
|---|---|
| 0 - $2,499.99 | - |
| $2,500 - $49,999.99 | 1.05% |
| $50,000 - $99,999.99 | 1.05% |
| $100,000 - $149,999.99 | 1.15% |
| $150,000 - $249,999.99 | 1.25% |
| $250,000+ | 2.00% |
Savings Accounts
| Account Type | Annual Percentage Yield (APY) |
|---|---|
| Savings Accounts | 0.01% |
| IRA Savings Account | 0.75% |
| Holiday Club Account | 0.10% |
Secured Loans
| Source | Annual Percentage Rate | Term |
|---|---|---|
| Share Account | 5.00% | up to 84 months |
Payment example: pay just $13.91/month for every $1000 borrowed at 5.00% APR on an 84 month term.
Share Certificates: $1,000.00 or Greater
| Certificate Term | Annual Percentage Yield (APY) |
|---|---|
| 3 Month Certificate | 3.00% |
| 6 Month Certificate | 3.95% |
| 12 Month Certificate | 4.10% |
| 18 Month Certificate | 4.05% |
| 24 Month Certificate | 3.85% |
| 36 Month Certificate | 3.70% |
| 48 Month Certificate | 3.50% |
| 60 Month Certificate | 3.45% |
Membership Required. Rates subject to change without notice. $1,000 minimum opening deposit required. Only New money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty will apply. Early withdrawals may result in penalties. Terms of less than 12 months lose 90 days’ interest. Terms 12 months to less than 36 months lose 180 days’ interest. Terms of 36 months or longer lose 270 days’ interest. The penalty will be deducted from earnings and may reduce principal balance. New money is defined as money not currently on deposit with Capitol Credit Union.
