Capstone

3 POLARIS WAY STE 31B, Aliso Viejo, CA 92656

NCUA Insured4.3 (6 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Aliso Viejo, CA may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

3 POLARIS WAY STE 31B

Aliso Viejo, CA 92656

Google Maps 🗺Waze

(800) 854-7125

Service Area

This credit union is located in Aliso Viejo and serves members in the CA area. Currently serving 1,785 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.05%

Used Auto Loan

5.15%

Personal Loan

8.50%

Credit Card APR

11.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Sag-Aftra— New Auto Loan

Burbank, CA

1.99%

Sunkist Employees— Used Auto Loan

Valencia, CA

2.40%

North Bay— Personal Loan

Santa Rosa, CA

2.33%

Glendale Area Schools— Credit Card APR

Glendale, CA

6.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.3

6 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Cesar Mendoza

6 years ago

Capstone Federal Credit Union is a federally insured, member owned financial cooperative. The Credit Union serves its members by providing savings, loans and other services in a convenient, equitable and competitive manner.

Jenn L

2 years ago

I've been a member of Capstone for several years. Arilda has always been so helpful, professional, and kind!!! I'm always blown away by the service I receive and I couldn't recommend a better place for your savings, loans, investments, or other service needs!!

Trang

6 years ago

Ok what do I say. I've had so many issues with this bank. I constantly have my card declined for "anti-fraud" reasons. Today, I accidentally put the wrong pin in TWICE and had my card put on fraud alert and I could not use it. A month ago, I tried to get gas. A simple purchase, gas. I had my card declined. Made a long phone call, the representative told me I can use my card again. I try to get gas. Declined. Call Capstone again, and then I'm told I used my card too many times. Oh really I use my card one more time, and that's "too many times" and then they have the nerve to tell me they don't know how many times is too many so they can't give me a max number of times I can use my card before it gets on fraud alert and declined. Am I being unreasonable? I wanted to give 1 star but I don't know if I'm being mean so I just gave four stars.