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Capstone Credit Union

Overview
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Capstone Credit Union is a federal credit union based in Aliso Viejo, California. It has been opened since 1953, for 67 years.

With around $36,020,000 in assets, Capstone Credit Union is considered to be an average size credit union. It has 1 branches and 1 ATM locations.

About
Address 3 Polaris Way Suite 31B
Aliso Viejo, California 92656
Website http://www.capstonefcu.coop
Phone (800) 854-7125
Fax (949) 349-2990
CEO Candice Landeros
President of the Board Sherry Fordham
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
2,450 members
Membership type: Multiple common bond – other
Below average number of members
490:1
Credit union member to staff ratio
490 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$36,016,136
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 5 in California
Average number of branches
0.07%
Savings interest rate
Compared to 0.3% nationally
11.80%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 5 in California
Average number of branches
Capstone Credit Union Branch Locations

Capstone Federal Credit Union
3 Polaris Way Suite 31B
Aliso Viejo, California 92656
ATM Available
Members
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2,450 members
Membership type: Multiple common bond – other
Below average number of members

With 2,450 members, the Capstone Credit Union is considered to be a small credit union. It is smaller than 60% of credit unions.

Fees
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$79
Average fee per member
The average fee per member at the Capstone Credit Union is $79, which is high compared to most credit unions. This rate is higher than 73% 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 Capstone Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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490:1
Credit union member to staff ratio
490 per each FTE employee
Compared to 411:1 nationally
Fewer staff
5 staff members
FTE (full-time equivalent)
0% of employees are part-time
5 full-time, 0 part-time

Capstone Credit Union has 5 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Capstone Credit Union has around 490 members per staff, a higher ratio compared to other credit unions.

Assets
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$36,016,136
Total assets
Average size
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.
10.7%
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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$2,985
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 96% of credit unions.

Capstone Credit Union holds a total of $14,710,000 in loans and leases, which is about $2,985 per member on average.

Savings interest rate
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0.07%
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. Capstone Credit Union pays 0.07%.

Loan rates
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11.80%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.98%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.92%
New car loan rate
Compared to 4.0% nationally
4.34%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.11%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.88%
Other real estate loan rates
Compared to 0.9% nationally
Prospectors Fcu
Location
Diamond Bar, California
Members
5,285
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
12.90%
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Average Fee
Credit Card Loan Interest Rate
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Members
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Average Fee
Credit Card Loan Interest Rate
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Members
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Average Fee
Credit Card Loan Interest Rate
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Members
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Assets
Net Worth Classification
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Average Fee
Credit Card Loan Interest Rate
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