Capstone Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.10%	5-year CD	5 Year CD 1.85% - Synchrony Bank 60 Month CD
0.40%	1-year CD	1 Year CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	Regular Share Savings 1.00% - Ally Bank Online Savings Account

View all Capstone Federal Credit Union rates »

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 219^th largest credit union in the state of California. It is also the 2,580^th largest credit union in the nation. It was established in 1953 and as of June of 2016, it had grown to 5 employees and 2,678 members at 1 location. Capstone Federal Credit Union 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

B+

Data as of Q2 2016

Learn more about bank health

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	0.67%
Return on Equity - YTD	7.24%
Annual Interest Income	$457.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$39.6MM$38.2MM
Loans	Q2 2016vs Q2 2015	$13.8MM$11.7MM
Deposits	Q2 2016vs Q2 2015	$35.8MM$34.8MM
Equity Capital	Q2 2016vs Q2 2015	$3.7MM$3.4MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$89.00K$85.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$3.00K$49.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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* 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
0.07%	-	-	Christmas Club
0.07%	-	-	IRA Shares Account
0.05%	$25	-	Regular Share Savings
0.05%	-	-	Kirby Kangaroo Club Savings
0.05%	-	-	CU Succeed Savings

Capstone Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.23%^*	$75k^*	-	Money Market Account
OTHER TIERS: 0.13% → $2k - $20k \| 0.18% → $20k - $75k

Capstone Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%	$1k	-	5 Year CD
0.90%	$1k	-	4 Year CD
0.80%	$1k	-	3 Year CD
0.70%	$1k	-	2.5 Year CD
0.60%	$1k	-	2 Year CD
0.50%	$1k	-	1.5 Year CD
0.40%	$1k	-	1 Year CD
0.30%	$1k	-	180 - 364 Day CD
0.25%	$1k	-	90 - 179 Day CD

Locations

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