Capstone Federal Credit Union

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A short history of Capstone FCU

Since its inception in 1953 the Capstone Federal Credit Union has been serving its members in the ALISO VIEJO, California 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 Candice Landeros, the Capstone FCU has grown its membership to over 2,558 with assets of more than $38,549,837. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (800) 854-7125 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ALISO VIEJO, CA.

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

Charter Number 8611
Address 3 POLARIS WAY STE 31B 
State California 
Zip-Code 92656
Phone Number (800) 854-7125
Fax Number (949) 349-2990
Email Address: none
CEO/President Candice Landeros
Members 2,558 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 38,549,837 

Compare Capstone Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Fedone CU Laguna Office 24000 Avila Rd # U120 92677 (949) 360-3203 No 1.36
Eagle Community CU Laguna Niguel Branch 24000 Avila Rd 92677 (949) 588-9400 No 3.82
Orange County's CU Orange County's CU 1701 E Saint Andrew Pl 92705 (714) 755-5900 No 12.27
Comunidad Latina CU COMUNIDAD LATINA FEDERAL CREDIT UNION 1317 W WARNER AVE 92704 (714) 754-7675 No 13.35
Santa Ana CU Main 800 W Santa Ana Blvd 92701 (714) 834-1341 No 14.70

Capstone Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Capstone Federal 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 11.80 3.48 4.55 3.35 5.01
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 402 207 270 55 230
Rank Among All California Credit Unions 91 81 108 15 71

Capstone Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.18 0.80 0.88
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 120 207 175
Rank Among All California Credit Unions N/A 45 37 54 35
Capstone Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 11.8008981,812,040
All Other Unsecured Loans/Lines of Credit 12.000108473,881
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.4809332,364,401
Used Vehicle Loans 4.5501,8212,817,294
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.350214,629,105
Total Other Real Estate Loans/Lines of Credit 5.01020398,979
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.79011145,158
TOTAL LOANS & LEASES 3,81212,640,858

Capstone Federal 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 122,683,6771155,000
    b. 15 Years or less 91,945,4281292,653
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 677,572115,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 14321,407295,000
Open-End Fixed Rate 0000
TOTALS 415,028,0845557,653


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

Capstone Federal 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 No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes