Capitol Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	Reward Checking	Kasasa Cash Checking 1.93% - National Average
0.50%	Reward Savings	Kasasa Saver 0.86% - National Average
0.01%	Savings	Share/ Savings 1.30% - Nationwide Bank Online Savings Account

View all Capitol Credit Union rates »

Overview / Commentary

www.ccutx.org

512-477-9465

11902 Burnet Rd
Austin, TX 78758

Capitol Credit Union is headquartered in Austin and is the 112^th largest credit union in the state of Texas. It is also the 1,387^th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 32 employees and 11,508 members at 3 locations. Capitol Credit Union has a B+ health rating.

Field of Membership Restrictions

Capital CU is open to all residents and businesses, anyone that works, as well as church members and registered students in Travis County, Texas.
See current membership details

Personalized service with rapid troubleshooting

Posted by: beverlyconley | Apr 15, 2017

I have been banking with Capitol Credit Union since 1998, when I went to work for the state government. Although I have accounts at other banks, CCU is my go-to for my daily needs, and I do the lion's share of my business with CCU, having two checking accounts and one savings account. The main thing that I like about CCU is that my accounts are very carefully monitored for potential fraudulent use. I went on an overseas vacation, and after I used my debit card, I quickly got a phone call FROM A HUMAN BEING asking me if I was indeed the one using the debit card. I have had my account compromised a couple of times, and CCU responded rapidly; I had all of my money back in a matter of one business day. Of course, one might argue that this should have never happened, but because it does (and because it is increasingly common to have your information compromised online), I was impressed with the personal attention I received from the employees there. It is located centrally, and has just enough branches to make it convenient but not pervasive. I like knowing that I'm not going business with a "Wall Street" bank that is potentially corrupt. I am not charged a fee to maintain a checking account or a debit/credit card. The online services are easy to use and offer a full range of services, allowing me to pay all of my bills without the need for paper checks. I guess what I appreciate about CCU the most is that I'm treated like a person and a valued customer on the rare occasions I go in to deposit a check, the employees are always friendly and kind. The atmosphere is very laid-back. Wouldn't trade CCU for any other institution.

Comment

1

Best Credit Union In Austin

Posted by: austininterval | Feb 22, 2011

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.

3

Bank In Credit Union Clothing

Posted by: slojoe72 | May 23, 2017

Fees, fees, fees and more fees. This CU pays horribly and their tech went from bad to worst in Austin. The customer service whether in person or on the phone leaves a lot to be desired. Take your money elsewhere.

Comment

1

From Good To Worst In 5 Years

Posted by: damagedgoods | Jul 26, 2016

This credit union used to be a great place to bank. At some point the employee turnover ramped up and the quality of the buildings and services dropped. Facilities are a mess. Employees dress sloppy. Recently the credit union decided to "Simplify" their online experience and in return delivered us back to 1999. The credit union still has not changed their low deposit rates which match a lot of the larger banks. Not sure why anyone would want to bank here that isn't already stuck with a loan.

Comment

3

Health

B+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	67865
Year Chartered	1954
Employees	32
Primary Regulator

Profit Margin
Return on Assets - YTD	0.57%
Return on Equity - YTD	7.82%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$124.7MM$124.4MM
Loans	Q4 2017vs Q4 2016	$90.8MM$78.6MM
Deposits	Q4 2017vs Q4 2016	$114.1MM$114.1MM
Equity Capital	Q4 2017vs Q4 2016	$9.2MM$8.6MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$356.00K$324.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$264.00K$140.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

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