2. Capstone Federal Credit Union

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 217th largest credit union in the state of California. It is also the 2,651st largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 5 employees and 2,450 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
B

Data as of Q4 2018

Learn why bank health matters
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 Chartered1953
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.28%
Return on Equity - YTD2.79%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$36.0MM$37.4MM
LoansQ4 2018vs Q4 2017$14.7MM$15.2MM
DepositsQ4 2018vs Q4 2017$32.3MM$33.6MM
Equity CapitalQ4 2018vs Q4 2017$3.6MM$3.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$100.00K$51.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$71.00K$38.00K
Real Estate OwnedQ4 2018vs Q4 2017$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%*$75k*-Money Market
OTHER TIERS: 0.70% → $2k - $20k | 0.80% → $20k - $75k

Capstone Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.81%$1k-5 Year CD
1.71%$1k-4 Year CD
1.61%$1k-3 Year CD
1.56%$1k-2.5 Year CD
1.21%$1k-2 Year CD
1.06%$1k-1.5 Year CD
0.90%$1k-1 Year CD
0.80%$1k-180 - 364 Day CD
0.70%$1k-90 - 179 Day CD
Locations


Capstone Federal Credit Union Locations
Branch Office3 POLARIS WAY STE 31BALISO VIEJO, CA 92656

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