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Advertiser Disclosure
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 Capitol Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Capitol Credit Union's 12 Month CD rates are at 3.75%, 12 Month IRA CD rates are at 3.75%, 12 Month IRA CDs: or Greater rates are at 3.75%, 18 Month CD rates are at 3.75%, 18 Month IRA CD rates are at 3.75%. Capitol Credit Union's savings rates are at 0.01%. Capitol Credit Union's money market rates are at 0.05%. Capitol Credit Union's Personal Loan Rates are at 10.99%. 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 1.34%. Rates were last updated on 03/25/2026. 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. 
Capitol Credit Union CD Rates
Capitol Credit Union Savings Rates
Capitol Credit Union Money Market Rates
Capitol Credit Union Checking Rates
Capitol Credit Union Home Equity & HELOC
Capitol Credit Union Auto Loan Rates
Capitol Credit Union Credit Card Rates
Capitol Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.34%
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
1
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
Frequently Asked Questions About Capitol Credit UnionIs Capitol Credit Union a safe place to deposit money?Yes, Capitol Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3383813903913%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Capitol Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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