Capitol

PO Box 81647, Austin, TX 78708

NCUA Insured4.0 (41 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

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 Austin, TX 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

2 charter

Established in 1954

Low-Income Designated

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

PO Box 81647

Austin, TX 78708

Google Maps 🗺Waze

(512) 477-9465

Service Area

This credit union is located in Austin and serves members in the TX area. Currently serving 13,971 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

5.30%

Used Auto Loan

5.83%

Personal Loan

12.10%

Credit Card APR

10.93%

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 TX

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

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

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

Branches & Locations(3 total)

Member Reviews

4.0

41 Google reviews

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

View on Google Maps

Dane

4 months ago

I had a terrible experience with this Credit Union, specifically with a loan officer named Nathan. He initially offered me a rate of 2.49%. After requesting all my personal documents for refinancing, he suddenly changed the rate to 4.49% without any valid reason—even though my credit score, income, and residency were all verified and cleared. To make matters worse, he stopped communicating entirely. When I finally reached him again, he claimed he didn't even know who I was. I was already in the process of securing a 3.99% rate elsewhere, but I wasted time and took a credit hit because of his empty promises. This place is completely unreliable and lacks integrity. Avoid Nathan and this institution at all costs.

Deborah Sullivan

7 months ago

I have been with Capitol Credit Union for over 30 years. I moved from Austin to near Waco, Texas in 1996 and although there isn’t a local branch of CAPITOL Credit Union, there is a partner Credit Union where I can make deposits and withdrawals. I have had no problems conducting business with Capitol Credit Union. They are the best!!

David

a month ago

Terrible credit union. They approved me for a car loan, I went through all the hassle of finding a car and paying thousands of dollars to have it shipped here and when it was time to close, they said they couldn’t do the loan and would not give me a reason why. I would give anyone your business besides them.

Zach McGee

10 months ago

Had a pretty terrible experience with Jessica and Heather. I’ve never heard of a credit union calling family members nor did I give them any permission to do so. If you recently moved from out of state and have a remote job they treat this as a foreign concept.