Last Updated: 01/21/2026
La Capitol FCU Choice Plus Checking
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.1% - 4.25%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $8(Verified 01/21/2026)
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La Capitol FCU Choice Plus Checking Review
The La Capitol FCU Choice Plus Checking is offered by La Capitol Federal Credit Union, a credit union founded in 1961 and based in Baton Rouge, LA. La Capitol checking account is available in 1 state.
Key Takeaways
- Up to 4.25% annual percentage yield (APY). This account offers an annual percentage yield of up to 4.25%, which is much higher than the average for the checking accounts that we track
- Charges a monthly fee. This account charges a monthly fee of up to $8, but the fee may be waived if you keep a minimum balance of$1,000.
- No ATM fees. La Capitol FCU Choice Plus Checking does not charge fees on ATM transactions .
- Up to $25 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in La Capitol Federal Credit Union mobile or online banking.
La Capitol checking account Pros & Cons
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La Capitol checking account FAQ
Are checking accounts from La Capitol Federal Credit Union federally insured?
No, your La Capitol Federal Credit Union checking accounts are not insured by a federal insurance agency. This means that if La Capitol Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does La Capitol checking account offer?
La Capitol checking account offers an APY starting at 0.1% and ranging up to 4.25% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.1% - 4.25% |
What are the account minimums for La Capitol checking account?
La Capitol checking account requires a minimum initial deposit of $50.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $1,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does La Capitol checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $8.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does La Capitol checking account charge overdraft fees?
Yes, La Capitol checking account charges a $30 fee for every overdraft.What features and perks does La Capitol checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $25.
- Fraud monitoring - La Capitol checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - La Capitol checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
What is the customer support email for La Capitol checking account?
The customer support email for La Capitol checking account is marketing@lacapfcu.org.
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