Capstone Federal Credit Union


Overview / Commentary
800-854-7125
3 Polaris Way Ste 31b
Aliso Viejo, CA 92656

Capstone Federal Credit Union is headquartered in ALISO VIEJO and is the 203rd largest credit union in the state of California. It is also the 2,760th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 3 employees and 1,831 members at 1 location. Capstone Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Capstone Federal Credit Union is open to employees of Fluor Corporation and its subsidiaries, IBM Corporation, Irvin Aerospace, and more than 45 other select organizations.
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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 Chartered1953
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-0.09%
Return on Equity - YTD-0.85%
Annual Interest Income$280K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$35MM$34.6MM
LoansQ1 2025vs Q1 2024$11.8MM$12.2MM
DepositsQ1 2025vs Q1 2024$31MM$30.9MM
Equity CapitalQ1 2025vs Q1 2024$3.8MM$3.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$31K$33K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$6K$3K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
1.31%*$75k*-Money Market
OTHER TIERS: 1.21% $2k - $20k | 1.26% $20k - $75k

Capstone Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-1 Year CD
2.53%$1k-3 Year CD
2.53%$1k-4 Year CD
2.53%$1k-5 Year CD
2.43%$1k-2.5 Year CD
2.32%$1k-2 Year CD
2.22%$1k-1.5 Year CD
1.92%$1k-180 - 364 Day CD
1.36%$1k-90 - 179 Day CD

Capstone Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-1 Year IRA
2.53%$1k-3 Year IRA
2.53%$1k-4 Year IRA
2.53%$1k-5 Year IRA
2.43%$1k-2.5 Year IRA
2.32%$1k-2 Year IRA
2.22%$1k-1.5 Year IRA
1.92%$1k-180 - 364 Day IRA
1.36%$1k-90 - 179 Day IRA
0.10%$0-IRA Shares
Locations


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

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