Capitol Credit Union

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A short history of Capitol CU

Since its inception in 1954 the Capitol Credit Union has been serving its members in the Austin, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Pierre Cardenas, the Capitol CU has grown its membership to over 11,325 with assets of more than $125,570,615. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (512) 477-9465 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Austin, TX.

General Information For Capitol CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 67865
Address PO Box 81647 
City Austin 
State Texas 
Zip-Code 78708
Phone Number (512) 477-9465
Fax Number (512) 719-4521
Email Address:
CEO/President Pierre Cardenas
Members 11,325 
Full-Time Employees 30 
Part-Time Employees
Number of Branch Offices
Total Assets 125,570,615 

Compare Capitol Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Public Employees CU 10th Street Branch 306 E 10th St 78768 (512) 474-1955 No 0.39
Velocity CU Main Branch 610 E 11th St 78767 (512) 469-7000 No 0.56
Vatat CU VATAT Credit Union 614 E 12th St 78701 (512) 472-3258 No 0.62
Travis County CU Main Office 1101 N Interstate 35 78702 (512) 477-2641 No 0.71
Lcra CU FPP 104 E State Highway 71 Byp 78760 (979) 639-0023 No 3.08

Capitol Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Capitol Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 2.50 2.50 3.69 4.79
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 84 52 93 204
Rank Among All Texas Credit Unions 53 27 20 20 36

Capitol Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.01 0.01 0.01 0.01 0.01
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 140 156 150 345 297
Rank Among All Texas Credit Unions 40 56 42 118 80
Capitol Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9901917,768
All Other Unsecured Loans/Lines of Credit 13.2502,6935,767,984
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 5.750217,106
New Vehicle Loans 2.50089322,524,462
Used Vehicle Loans 2.5002,42136,823,614
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.6901209,277,532
Total Other Real Estate Loans/Lines of Credit 4.79019710,570,569
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 3.0001221,714,188
TOTAL LOANS & LEASES 6,46786,713,223

Capitol Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 1068,545,80511897,000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 14731,7271125,000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 18510,254,843301,876,300
Closed-End Adjustable Rate 19,76500
Open-End Adjustable Rate 11305,9611120,000
Open-End Fixed Rate 0000
TOTALS 31719,848,101433,018,300


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Capitol Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes