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Capitol Credit Union

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Capitol Credit Union Rates & Review June 2026

Q: How many branches does Capitol Credit Union operate?

Capitol Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Capitol Credit Union?

Yes, to access services at Capitol Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Capitol Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capitol Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

You can compare Capitol Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.40%, 6-month share certificate rates at 4.11% and 3-month share certificate rates at 0.50%. Savings rates are at 0.00% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to Capitol Credit Union rates. MonitorBankRates evaluates the financial stability of Capitol Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.29%. Rates were last updated on 06/16/2026.

Capitol Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Capitol Credit Union? Share your experience about Capitol Credit Union by leaving a review below, or read customer reviews before you decide to use Capitol Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.29%

Excellent Lower than avg

Capitol Credit Union
North Office

11920 Alterra Pkwy
Austin, TX 78758

https://www.ccutx.org

Current Rate Availability

We do not have Capitol Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Capitol Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Capitol Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Capitol Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Capitol Credit Union

Website https://www.ccutx.org

Address 11920 Alterra Pkwy, Austin, TX 78758

Phone 512-477-9465

Fax 512-719-4521

President Michael Jones

CEO Pierre Cardenas

Full-Time Employees 47

Part-Time Employees 3

Branch Locations 3

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.29%

Return on Assets (ROA)

0.2955%

Return on Equity (ROE)

2.4378%

Non-Performing Loans Ratio (NPL)

0.22%

Total Assets

224,586,108

Total Amount of Shares and Deposits

195,094,478

Total Shares and Deposits < 1 Year

189,848,385

Total Shares and Deposits 1 3 Years

4,718,417

Total Shares and Deposits > 3 Years

527,677

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,587,471

Total Uninsured Shares and Deposits > $250K (F+J)

15,587,471

Total Insured Shares and Deposits > $250K (item 17 less item K)

179,507,007

Total Interest Expense (Sum of items 6 8)

2,059,310

Share Certificates

543

Number of Accounts for Share Drafts

8,064

IRA KEOGH Accounts

393

Number of Accounts for Regular Shares

16,518

Non Member Deposits

Money Market Shares

369

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,584,297

Total Liabilities

198,980,244

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Capitol Credit Union earned the Verified Strong badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Capitol Credit Union

How many branches does Capitol Credit Union operate?

Capitol Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Capitol Credit Union?

Yes, to access services at Capitol Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Capitol Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capitol Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Capitol Credit Union offer online and mobile banking?

Most modern institutions like Capitol Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ccutx.org.