Average User Rating:
5 star rating based on 1 review.

Capitol Credit Union

8309 Cross Park Dr
Austin, TX 78754
512-477-9465
www.ccutx.org

NCUA

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Capitol Credit Union is headquartered in Austin and is the 98^th largest credit union in the state of Texas. It is also the 1,283^rd largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 29 employees and 13,031 members. Capitol Credit Union has a 5-star health rating.

Capitol Credit Union Routing Number: 314977191

Top 5-Year CD at Capitol Credit Union in Austin - Local Only - 6/19/2010

Capitol Credit Union is offering a very competitive 60-month CD and IRA CD with a 3.30% APY. The shorter terms are not as competitive. The best are the 4-year CD with a 2.78% APY and the 3-year CD wit ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Capitol Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$1,500	-	Capitol Free Checking

Capitol Credit Union Savings Account Rates

Apy	Min	Max	Product
0.55%	-	-	Holiday Club
0.10%	-	-	IRA Share
0.10%	-	-	Roth IRA Share
0.10%	-	-	Educational IRA Share
0.10%	-	-	SEP IRA Share
0.05%	$100	-	Share/ Savings

Capitol Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.10%	$2,500	-	Capitol Plus

Capitol Credit Union CD Rates

Apy	Min	Max	Product
0.75%	$1k	-	36 Month CD
0.75%	$1k	-	48 Month CD
0.75%	$1k	-	60 Month CD
0.50%	$1k	-	24 Month CD
0.30%	$1k	-	12 Month CD
0.20%	$1k	-	6 Month CD
0.10%	$1k	-	3 Month CD

Capitol Credit Union IRA Rates

Apy	Min	Max	Product
0.70%	$1k	-	36 Month IRA
0.70%	$1k	-	48 Month IRA
0.70%	$1k	-	60 Month IRA
0.70%	$1k	-	36 Month Roth IRA
0.70%	$1k	-	48 Month Roth IRA
0.70%	$1k	-	60 Month Roth IRA
0.70%	$1k	-	36 Month Educational IRA
0.70%	$1k	-	36 Month SEP IRA
0.70%	$1k	-	48 Month Educational IRA
0.70%	$1k	-	48 Month SEP IRA
0.70%	$1k	-	60 Month Educational IRA
0.70%	$1k	-	60 Month SEP IRA
0.45%	$1k	-	24 Month IRA
0.45%	$1k	-	24 Month Roth IRA
0.45%	$1k	-	24 Month Educational IRA
0.45%	$1k	-	24 Month SEP IRA
0.25%	$1k	-	12 Month IRA
0.25%	$1k	-	12 Month Roth IRA
0.25%	$1k	-	12 Month Educational IRA
0.25%	$1k	-	12 Month SEP IRA
0.15%	$1k	-	6 Month IRA
0.15%	$1k	-	6 Month Roth IRA
0.15%	$1k	-	6 Month Educational IRA
0.15%	$1k	-	6 Month SEP IRA
0.05%	$1k	-	3 Month IRA
0.05%	$1k	-	3 Month Roth IRA
0.05%	$1k	-	3 Month Educational IRA
0.05%	$1k	-	3 Month SEP IRA

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

CAPITOL
NCUA #	67865
BankRate Report	View
Year Chartered	1954
Employees	29
Primary Regulator
Assets and Liabilities
Assets	$122.47 million
Loans	$49.77 million
Deposits	$113.84 million
Equity Capital	$8.03 million
Loan Loss Allowance	$228,000
Unbacked Noncurrent Loans	$22,000
Historic Data - December 2011
Assets	$117.10 million
Equity Capital	$7.27 million
Loan Loss Allowance	$469,000
Unbacked Noncurrent Loans	$351,000
Profit Margin - Quarterly
Net Interest Margin	5.16%
Return on Assets	-0.15%
Return on Equity	-2.34%
Interest Income	$3.53 million
Non-Interest Income	$1.27 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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, 2012 Capitol Credit Union had $22,000 in non-current loans and owned real-estate with $8.25 million in equity and loan loss allowances on hand to cover it. This gives Capitol Credit Union a Texas Ratio of 0.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Capitol Credit Union decreased significantly from 4.53% as of December 31, 2011 to 0.27% as of December 31, 2012, resulting in a positive change of 94.12%.This indicates that the balance sheet and financial strength for Capitol Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Capitol Credit Union has increased its total deposits by $5.01 million, resulting in 4.61% 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
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 $122.47 million in assets with $8.25 million in equity, resulting in a capitalization level of 6.74%, which is below average.

Best Credit Union In Austin
5 stars

- austininterval - Tuesday, February 22, 2011 - 1:10 PM

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.

Capitol Credit Union

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