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Capitol Credit Union

Overview
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Capitol Credit Union is a federally insured state credit union based in Austin, Texas. It has been opened since 1954, for 66 years.

With around $132,010,000 in assets, Capitol Credit Union is considered to be a large credit union. It has 3 branches and 6 ATM locations.

About
Address Po Box 81647
Austin, Texas 78708
Website http://www.ccutx.org
Phone (512) 477-9465
Fax (512) 719-4521
CEO Pierre Cardenas
President of the Board Michael Jones
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
11,986 members
Membership type: State chartered natural person credit union
Above average number of members
320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$132,012,984
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
0.01%
Savings interest rate
Compared to 0.3% nationally
7.96%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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3 branches
Compared with an average of 4 nationally and 3 in Texas
Above average number of branches
Capitol Credit Union Branch Locations

Capitol Credit Union: South
133 E. Ben White Boulevard
Austin, Texas 78704
ATM Available
Capitol Credit Union: North Office
11902 Burnet Road
Austin, Texas 78758
ATM Available
Capitol Credit Union: Downtown
1718 Lavaca Street
Austin, Texas 78701
ATM Available
Members
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11,986 members
Membership type: State chartered natural person credit union
Above average number of members

With 11,986 members, the Capitol Credit Union is considered to be a large credit union. It is larger than 74% of credit unions.

Fees
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$84
Average fee per member
The average fee per member at the Capitol Credit Union is $84, which is high compared to most credit unions. This rate is higher than 76% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Capitol Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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320:1
Credit union member to staff ratio
320 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
38 staff members
FTE (full-time equivalent)
26% of employees are part-time
32 full-time, 11 part-time

Capitol Credit Union has 32 full-time staff members and 11 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 74% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Capitol Credit Union has around 320 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$132,012,984
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
8.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$13,515
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 73% of credit unions.

Capitol Credit Union holds a total of $94,200,000 in loans and leases, which is about $13,515 per member on average.

Savings interest rate
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0.01%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Capitol Credit Union pays 0.01%.

Loan rates
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7.96%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.70%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.67%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.26%
New car loan rate
Compared to 4.0% nationally
4.27%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.82%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.40%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally