# La Capitol FCU — user reviews > 363 indexed App Store user reviews of La Capitol FCU by La Capitol Federal Credit Union, rated 4.70/5 from 2,155 ratings. - Source: https://appshunter.io/ios/app/la-capitol-fcu/id818686339/reviews - App overview in markdown: https://appshunter.io/ios/app/la-capitol-fcu/id818686339.md - Rating breakdown: 5★ 1,828 · 4★ 172 · 3★ 40 · 2★ 36 · 1★ 79 ## What do users think of La Capitol FCU? Overall sentiment: positive **Pros** - 🚀 Easy to use - 🚀 Convenient - 🚀 Reliable - 🚀 Efficient - 🚀 Accurate - 🚀 Intuitive - 🚀 Helpful - 🚀 User-friendly - 🚀 Straightforward - 🚀 Secure - 🚀 Responsive - 🚀 Excellent customer service **Cons** - 🐛 Occasional bugs or glitches - 🐛 Inconsistent performance - 🐛 Delayed transaction clearing - 🐛 Confusing navigation - 🐛 Outdated design - 🔒 Frustrating password system - 🔒 Lack of biometric authentication options **Commonly reported bugs** - Mobile deposit feature not working consistently - Frequent login issues or account lockouts - Inaccurate account balances or pending transactions - Compatibility problems with older devices **Most requested features** - Add direct money transfer between accounts - Improve bill payment functionality - Provide more detailed transaction history - Implement account locking/freezing feature - Enhance mobile check deposit experience - Integrate with popular payment apps (e.g., Venmo, Zelle) ## Newest reviews (16 of 363) ### 5/5 — Password *2026-02-12, version 7.0.250900* Excellent customer service when changing password ### 5/5 — Very convenient *2026-01-08, version 7.0.250900* I love this so. It is so convenient to have info about my account right here on my phone. Thank you. ### 5/5 — Good banking services *2026-01-06, version 7.0.250900* Secure and easy to use. ### 5/5 — LACAP app *2026-01-02, version 7.0.250900* I use it almost everyday, so does my daughter. It is very helpful and keeps us on to of our finances. Thank You ### 5/5 — Ricky V *2025-12-17, version 7.0.250900* Great App ### 5/5 — Easy to use *2025-12-11, version 7.0.250900* Easy to use. Works efficiently. ### 5/5 — Great FCU *2025-12-10, version 7.0.250900* Great to do business with ### 5/5 — I Use This App Every Day! *2025-12-09, version 7.0.250900* It is very helpful and accurate! ### 5/5 — Five Star Rating *2025-12-04, version 7.0.250900* Excellent ### 5/5 — Bart *2025-12-04, version 7.0.250900* Very good ### 2/5 — Better payment options *2025-12-04, version 7.0.250900* In this technical world it should not take 3 days for a payment to go through neither from your checking account nor your bank card. SMH ### 5/5 — Great App *2025-11-30, version 7.0.250900* Always perfect! ### 5/5 — Credit Union App *2025-11-28, version 7.0.250900* App is very easy to use when conducting only banking. ### 5/5 — Love this app *2025-11-27, version 7.0.250900* I love the fact that I changed over to this bank when I did it’s been awesome ### 5/5 — Love it *2025-11-26, version 7.0.250900* Easy to use. Love it. Use it every day. Don’t know what I’d do without it. ### 5/5 — Long time *2025-11-26, version 7.0.250900* I’ve been with Ls so for over 15 years!!! Great service. ## Most critical reviews (10 lowest-rated) ### 1/5 — Frustrated *2026-08-06, version 7.0.250900* So inconvenient to pay my monthly truck note and lacap will not let me setup auto payment this is the only lender I have that makes life more difficult than it already is ### 1/5 — Not user friendly *2026-07-30, version 7.0.250900* Navigating is not customer friendly. Lacks information one would need to avoid having to call in ### 1/5 — To make a payment sucks *2026-03-19, version 7.0.250900* Making payments using your system sucks to go through every month. ### 1/5 — Horrible *2025-12-08, version 7.0.250900* Not user friendly at all!!! ### 1/5 — Hate this app - loved the previous app *2025-11-03* I prefer to be able to a full menu of choices and not have to move from screen to screen looking for what I need. I also HATE the new bank statement. The watermark makes it almost unreadable. Also, I want a running statement that gives a balance after each transaction. Not only does it help you to monitor cleared transactions in relation to the daily balance, but it helps immensely when reconciling an account. I’m a CPA and I assure you that the small font used will make using these statements hard enough as it is. And why are those that don’t sign up for estatements, permanently banned from them? What if I need a previous statement(s) for business purposes? For example, Medicaid requires 6 months of statements every single year. Most people are not organized enough to keep all of them; and I know that they would not accept a printout of a report run by me from the app - nor would any other governmental entity. ### 1/5 — LaCapital App *2025-09-02, version 7.0.250500* Best Bank App ever. ### 1/5 — Horrible *2025-07-16, version 7.0.250500* Not user friendly at all!!! ### 1/5 — I like the old program! *2025-03-20, version 6.0.5802* Everyone is going to apple 16 or better. I don’t have a phone that will take the update. Your old system worked fine for me. Is your company helping Apple get rid of those Apple 16e phones at my expense? If that is the case I do not need to do business with LaCap any more and will vote to tax the credit unions. ### 1/5 — App is terrible *2024-11-14, version 6.0.5802* Such a terrible app and so hard to navigate payments on existing loans ### 1/5 — Won’t let me log in my account without a phone *2024-09-16* My work phone was listed plus email. Work phone no longer works and their stupid system won’t let me log in at all as they don’t do two factor through email only through a phone that doesn’t exist. I can’t log in anywhere to change or update and completely lost access of my account. STAY AWAY! Worst banking experience ## Most praised reviews (10 highest-rated) ### 5/5 — LaCap *2026-07-02, version 7.0.250900* Easy to use. Offers the serves I need, gives me easy access to my account any time. ### 5/5 — Bill *2026-06-21, version 7.0.250900* I have had a La Cap FCU account for over 20 years. Its financial services for me have been outstanding.🌟 ### 5/5 — La Capital App *2026-06-12, version 7.0.250900* App easy to use no problems ### 5/5 — Good experience *2026-04-20, version 7.0.250900* The app has worked well with no issues. It’s easy to navigate and find services that I am looking. ### 5/5 — Easy and Informative *2026-04-12, version 7.0.250900* Thank you for a great app! ### 5/5 — Great for me *2026-04-11, version 7.0.250900* Good ### 5/5 — Great! *2026-03-12, version 7.0.250900* Very user friendly and convenient! ### 5/5 — Dependable Efficiency *2026-03-04, version 7.0.250900* The La Capitol FCU app has been a dependable & efficient resource for me. I complete nearly all my banking business through the app which saves me time & resources. I love that! ### 5/5 — LaCap Review *2026-02-19, version 7.0.250900* I am grateful for this app. It helps me daily keep an eye on my accounts. Very helpful. Thank you! ### 5/5 — Moe rating *2026-02-19, version 7.0.250900* Easy and convenient way to take care of my banking needs. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*