Capitol Credit Union

Overview / Commentary
11920 Alterra Pkwy Ste 136
Austin, TX 78758

Capitol Credit Union is headquartered in Austin and is the 95th largest credit union in the state of Texas. It is also the 1,214th largest credit union in the nation. It was established in 1954 and as of December of 2023, it had grown to 45 employees and 13,134 members at 3 locations. Capitol Credit Union's CD rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Capitol Credit Union is open to those who live, work, worship, or go to school in Travis County. Family members are also welcome.
See current membership details

Reviews (5)

Best Credit Union

Posted by: |

Banking with ease. Great and quality customer service.

Personalized service with rapid troubleshooting

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.

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.

Bank In Credit Union Clothing

Posted by: |

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.

From Good To Worst In 5 Years

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.


Health Grade Components

NCUA #67865
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD3.64%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$213.9MM$213.1MM
LoansQ4 2023vs Q4 2022$146.2MM$161.8MM
DepositsQ4 2023vs Q4 2022$177.8MM$187.2MM
Equity CapitalQ4 2023vs Q4 2022$23.5MM$22.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$875K$191K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$462K$256K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Capitol Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Capitol Credit Union Savings Account Rates

4.00%*--Kasasa Saver
OTHER TIERS: 2.00% $10k+
2.00%*$250k*-Business Capitol Saving
OTHER TIERS: 0.05% $100 - $2.5k | 1.05% $2.5k - $100k | 1.15% $100k - $150k | 1.25% $150k - $250k
0.75%--IRA Share
0.10%--Holiday Club
0.01%$100-Savings Accounts

Capitol Credit Union Money Market Rates

2.00%*$250k*-Capitol Plus Money Market Account
OTHER TIERS: 1.05% $2.5k - $100k | 1.15% $100k - $150k | 1.25% $150k - $250k

Capitol Credit Union Checking Account Rates

6.00%*-$10kKasasa Cash Checking
OTHER TIERS: 1.00% $10k+
1.70%*$250k*-Capitol Plus Business Checking
OTHER TIERS: 0.65% $2.5k - $50k | 0.75% $50k - $100k | 0.85% $100k - $150k | 0.95% $150k - $250k
0.01%--Capitol Free Checking

Capitol Credit Union CD Rates

4.70%$1k-12 Month CD
4.30%$1k-24 Month CD
4.10%$1k-36 Month CD
3.95%$1k-6 Month CD
3.75%$1k-48 Month CD
3.70%$1k-60 Month CD
3.25%$1k-3 Month CD

Capitol Credit Union IRA Rates

4.30%$1k-24 Month IRA
4.10%$1k-36 Month IRA
3.75%$1k-48 Month IRA

Capitol Credit Union Locations
Corporate Office11920 Alterra Pkwy Ste 136Austin, TX 78758
Branch Office1718 Lavaca StAustin, TX 78701
Branch Office133 E Ben White BlvdAustin, TX 78704

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