Payment Options

   

Make Your Payments Quickly and Easily

Time to pay a bill? We've got lots of easy payment methods for all of your loans. Use the chart below to find out how you can make your payment.

Product Online Banking Bill Pay Tel-a-Cap Loan Payment Center Mail Visa Options Form
Visa Credit Card    
Mortgage      
HELOC  
Auto Loan  
RV/Boat Loan  
Signature Loan  

 

Select Your Preferred Payment Method

The easiest way to pay your bills is through online and mobile banking. If you prefer to pay another way, select your preferred method below for more information on how to do so. Remember, if you need assistance at any time, our Member Service Representatives are available at 800.522.2748 or you can click here to contact us another way.

  • Online & Mobile Banking

    Online and mobile banking provides a convenient option for transferring funds, allowing you to quickly and easily manage your accounts and loan payments.  You can set up your payments to be pulled from your checking account on a recurring basis and forget about it.  You can even set up expiration dates for when the payment needs to be stopped.  It’s that easy! 

    Which loans can I pay through online or mobile banking?
    Visa credit card, Mortgage, HELOC, Auto Loan, RV/Boat Loan, and Signature Loans

  • Tel-a-Cap

    Call Tel-a-Cap at 800.835.2227 or 225.342.9123 to transfer funds and make loan payments. Tel-a-Cap can also be used to check account balances, request savings check withdrawals to be mailed to you, and verify deposits, cleared checks, or debits.

    Note: Mortgage and credit card payments cannot be made through Tel-a-Cap but can be made through online and mobile banking.

    Which loans can I pay through Tel-a-Cap?
    HELOC, Auto Loan, RV/Boat Loan, and Signature Loans

  • Loan Payment Center

    Use our Loan Payment Center to securely make loan payments using funds from another institution’s checking or savings account or using a non-La Cap debit card. Members can also send funds from their bank account through ACH using this platform. 

    Mortgage and credit card payments cannot be made through the Loan Payment Center, but they can be made through online and mobile banking. Payments should be initiated one at a time and entered separately. Each transaction will be counted as one payment and may not exceed $2,500. There is a $15.00 convenience fee per transaction. Using this option, you will need to allow up to 48 hours for your payment to post to your loan.

    Which loans can I pay through the Loan Payment Center?
    HELOC, Auto Loan, RV/Boat Loan, and Signature Loans

  • Mail, La Cap Branch, or Co-op Shared Branch

    We recommend including a Loan Payment Coupon with your payment.

    In-person: Make a drive-thru or in-branch payment at any of our 15 locations.  You may also make your payments at any Co-op Shared Branch.

    By mail: Mail your payment to La Capitol FCU PO Box 3398, Baton Rouge, LA  70821-3398 OR 700 Main Street, Baton Rouge, LA 70802. Only checks, cashier’s checks, and money orders are accepted. Cash will not be accepted.  Be sure to include your loan number or a description such as “Visa Payment” on the check. 

    Which loans can I pay by mail or by visiting a La Cap branch or Co-op Shared Branch?
    Visa credit card, Mortgage, HELOC, Auto Loan, RV/Boat Loan, and Signature Loans

  • Bill Pay

    If you have an online Bill Pay option through your primary financial institution (not La Capitol), you may want to use this option to send in your payments.  When setting up La Capitol FCU as the payee, you will need to include your account number, loan number, and La Capitol’s routing and transit number # 265473582.

    Which loans can I pay with Bill Pay?
    Visa credit card, Mortgage, HELOC, Auto Loan, RV/Boat Loan, and Signature Loans

  • Visa Options Form

    To set up auto-pay on your La Cap Visa, you can fill out a Visa Options Form to transfer funds from your La Cap checking or savings account to pay the balance. This form needs to be returned to one of our 15 locations.

    You may find one of our other options convenient for Visa payments.

    • Pay through online banking by selecting "View My Visa" under the Transactions section.
    • Contact our Member Service Line at (800) 522-2748, and one of our representatives will gladly assist you with transferring your payment from another La Cap account.
    • If you have a Prime Plus, Rewards, or Signature Cash Back Visa Credit Card, you can contact cardholder services at (866) 820-3878 to pay your Visa balance.  Using this option a convenience fee of $5 per transaction will be incurred.

    Note: The minimum amount due is 2.67% of principal balance plus any amount over the credit limit or $25, whichever is greater. For fixed payments, 3.0% of your established credit limit plus any amount over the credit limit or $25, whichever is greater.

    Which loans can I pay with the Visa Options Form?
    Any La Cap Visa credit card

 

Late Fees

Direct Loan: 20% of interest due with a minimum of $25.00
Indirect Loan: $10.00 or 5% of the part of the payment that is late, whichever is greater
HELOC: $25.00
Credit Card: $25.00 (or the amount of required minimum payment, whichever is less)
Mortgage: 5% of the payment due (principal plus interest)