Capstone Federal Credit Union

Overview / Commentary

www.capstonefcu.coop

800-854-7125

3 Polaris Way Ste 31b
Aliso Viejo, CA 92656

Capstone Federal Credit Union is headquartered in ALISO VIEJO and is the 216^th largest credit union in the state of California. It is also the 2,657^th largest credit union in the nation. It was established in 1953 and as of June of 2019, it had grown to 5 employees and 2,410 members at 1 location. Capstone Federal Credit Union's money market rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to employees of Fluor Corporation and its subsidiaries, IBM Corporation, Irvin Aerospace, and other select organizations.
See current membership details

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Health

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Capstone Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	8611
Year Chartered	1953
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.2%
Return on Equity - YTD	1.82%
Annual Interest Income	$552.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$36.5MM$37.0MM
Loans	Q2 2019vs Q2 2018	$13.6MM$14.8MM
Deposits	Q2 2019vs Q2 2018	$32.5MM$33.3MM
Equity Capital	Q2 2019vs Q2 2018	$4.0MM$3.6MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$127.00K$47.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$22.00K$61.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
CD

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Always verify rates and promotions with the bank or credit union. We are not Capstone Federal 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.

Capstone Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	IRA Shares
0.09%	$1	-	Christmas Club
0.07%	$25	-	Regular Shares (Savings)
0.07%	$1	-	Kirby Kangaroo Club (Kids Savings)
0.07%	$1	-	CU Succeed (Teen Savings)

Capstone Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$75k^*	-	Money Market
OTHER TIERS: 0.70% → $2k - $20k \| 0.80% → $20k - $75k

Capstone Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.21%	$1k	-	5 Year CD
2.01%	$1k	-	4 Year CD
1.81%	$1k	-	3 Year CD
1.61%	$1k	-	2.5 Year CD
1.41%	$1k	-	2 Year CD
1.21%	$1k	-	1.5 Year CD
1.11%	$1k	-	1 Year CD
1.01%	$1k	-	180 - 364 Day CD
0.90%	$1k	-	90 - 179 Day CD

Locations

Capstone Federal Credit Union Locations
Branch Office	3 POLARIS WAY STE 31B	ALISO VIEJO, CA 92656

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