Credit union · NCUA insured
Capitol Credit Union
Top CarrotA $232.3M credit union headquartered in Austin, TX, with 14,217 members and 3 branches in Texas. Best rates: CDs 3.75% and savings 1.05% APY.
Capitol Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#10 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Capitol Credit Union
Capitol Credit Union was chartered in 1954 and is located in Austin, Texas.
Membership is open to anyone who lives, works, worships, or attends school in Travis County with a minimum five-dollar share deposit.
- Headquarters
- 11920 Alterra Pkwy, Ste 136, Austin, TX 78758
- NCUA charter
- 67865
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Travis County, as well as any business located in the County, is eligible for membership.
Cost to join
- A minimum required Share Deposit of $5.00 is required.
Branches
3 branches in Texas
Loading map…
Texas
3 branches
- North OfficeMain office11920 Alterra Pkwy, Ste 136, Austin, TX 78758Directions
- Downtown1718 Lavaca St, Austin, TX 78701Directions
- South133 E Ben White Blvd, Austin, TX 78704Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.25% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio11.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Capitol Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.