Capitol Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.20% | 5-year CD | 3.00% - Discover Bank 5 Year CD |
| 2.00% | Reward Checking | 1.74% - National Average |
| 0.50% | Reward Savings | 0.85% - National Average |
Capitol Credit Union is headquartered in Austin and is the 107th largest credit union in the state of Texas. It is also the 1,355th largest credit union in the nation. It was established in 1954 and as of December of 2018, it had grown to 32 employees and 11,986 members at 3 locations. Capitol Credit Union's CD rates are 67% higher than the national average, and it 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
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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
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67865 |
| Year Chartered | 1954 |
| Employees | 32 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.83% |
| Return on Equity - YTD | 10.73% |
| Annual Interest Income | $4.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $132.0MM$124.7MM |
| Loans | Q4 2018vs Q4 2017 | $94.2MM$90.8MM |
| Deposits | Q4 2018vs Q4 2017 | $119.5MM$114.1MM |
| Equity Capital | Q4 2018vs Q4 2017 | $10.2MM$9.2MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $417.00K$356.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $295.00K$264.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | - | - | Kasasa Saver | ||
| OTHER TIERS: 0.20% → $10k+ | |||||
| 0.20% | - | - | IRA Share | ||
Capitol Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $2.5k | - | Capitol Plus Money Market Account |
Capitol Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | - | $10k | Kasasa Cash Checking | ||
| OTHER TIERS: 0.20% → $10k+ | |||||
Capitol Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.20% | $1k | - | 60 Month CD | ||
| 2.10% | $1k | - | 48 Month CD | ||
| 1.95% | $1k | - | 36 Month CD | ||
| 1.75% | $1k | - | 24 Month CD | ||
| 1.50%* | $50k* | - | 12 Month CD | ||
| OTHER TIERS: 1.25% → $1k - $50k | |||||
| 1.05%* | $50k* | - | 6 Month CD | ||
| OTHER TIERS: 0.80% → $1k - $50k | |||||
| 0.50%* | $50k* | - | 3 Month CD | ||
| OTHER TIERS: 0.25% → $1k - $50k | |||||
Capitol Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.95%* | $99k* | - | 48 Month IRA | ||
| OTHER TIERS: 1.85% → $1k - $50k | 1.90% → $50k - $99k | |||||
| 1.70%* | $99k* | - | 36 Month IRA | ||
| OTHER TIERS: 1.60% → $1k - $50k | 1.65% → $50k - $99k | |||||
| 1.35%* | $99k* | - | 24 Month IRA | ||
| OTHER TIERS: 1.25% → $1k - $50k | 1.30% → $50k - $99k | |||||
| Capitol Credit Union Locations | ||
|---|---|---|
| Branch Office | 11902 Burnet Rd | Austin, TX 78758 |
| Branch Office | 1718 Lavaca St | Austin, TX 78701 |
| Branch Office | 133 E Ben White Blvd | Austin, TX 78704 |