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Overview / Commentary
800-486-4228
P.O. Box 141069
Austin, TX 78714

Capitol Credit Union is headquartered in Austin and is the 101st largest credit union in the state of Texas. It is also the 1,286th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 30 employees and 15,381 members. Capitol Credit Union has a B+ health rating.

Field of Membership Restrictions

Everyone living, working, worshiping, attending school in Travis County, or any business in Travis County is eligible for Capitol Credit Union membership. To establish membership, open a savings account with a minimum deposit of $5 and pay a lifetime membership fee of $1. - See Details

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Reviews (1)

Best Credit Union In Austin

I have been a very happy and satisfied member of Capitol Credit Union since 1989. I have always received the very best customer service, either over the phone or at the teller window. My loan applications have always been quickly processed, and I find the terms have always been well below what a commercial bank my charge.

You cannot have a banking relationship for this long without there being some problems. Any time either I have made a mistake or CCU made a mistake it has been handled quickly and satisfactorily. I cannot recommend CCU highly enough.



Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Capitol Credit Union had $352,000 in non-current loans and owned real-estate with $7.89 million in equity and loan loss allowances on hand to cover it. This gives Capitol Credit Union a Texas Ratio of 4.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Capitol Credit Union experienced no significant changes from 0.27% as of December 31, 2012 to 4.46% as of December 31, 2013, resulting in a negative change of 1,573.19%. This indicates that the balance sheet and financial strength for Capitol Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Capitol Credit Union has increased its total deposits by $2.51 million, resulting in 2.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Capitol Credit Union has shown is above average.

Capitalization

GRADE:
C-

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Capitol Credit Union has $124.65 million in assets with $7.89 million in equity, resulting in a capitalization level of 6.33%, which is below average.

Institution Statistics

Overall
NCUA #67865
Year Chartered1954
Employees30
Primary Regulator
Assets and Liabilities
Assets$124.65 million
Loans$51.83 million
Deposits$116.35 million
Equity Capital$7.69 million
Loan Loss Allowance$201,000
Unbacked Noncurrent Loans$352,000
Real Estate Owned$0
Historic Data - December 2012
Assets$122.47 million
Equity Capital$8.03 million
Loan Loss Allowance$228,000
Unbacked Noncurrent Loans$352,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.74%
Return on Assets0.03%
Return on Equity0.42%
Interest Income$3.69 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Capitol Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Capitol Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$100-Share/ Savings
0.01%--IRA Share
0.01%--Roth IRA Share
0.01%--Educational IRA Share
0.01%--SEP IRA Share

Capitol Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.01%$2,500-Capitol Plus

Capitol Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$1,500-Capitol Free Checking

Capitol Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.01%$1k-24 Month CD
0.01%$1k-36 Month CD
0.01%$1k-48 Month CD

Capitol Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.01%$1k-24 Month IRA (Traditional,Roth,CESA,SEP)
0.01%$1k-36 Month IRA (Traditional,Roth,CESA,SEP)
0.01%$1k-48 Month IRA (Traditional,Roth,CESA,SEP)
Locations


Capitol Credit Union Locations
Branch Office11902 Burnet Rd Ste AAustin, TX 78758
Branch Office8309 Cross Park DrAustin, TX 78754
Branch Office1101 N Interstate 35Austin, TX 78702
Branch Office1718 Lavaca StAustin, TX 78701
Branch Office133 E Ben White BlvdAustin, TX 78704