Best Auto Loans & Business Banking | Capital Lubbock TX Credit Union

Introduction

Welcome to Capital Federal Credit Union, your trusted financial partner located at 4210 50Th St Ste E, Lubbock, TX 79413. Since our establishment in 2021, we have proudly served our community with a commitment to providing personalized banking solutions that meet the diverse needs of our 560 members. With total assets exceeding $6,824,334, we are dedicated to maintaining the financial health and well-being of our members. At Capital, we understand that banking is more than just transactions; it's about building relationships and supporting our local community. Our CEO, Michael Hensley, along with Board President Linda Lewis, lead our team of 469 employees who strive every day to ensure you receive exceptional service and support. While you can always visit us at our branch for personal assistance, please note that official correspondence should be directed to our mailing address: 4210 50th Street Suite E, Lubbock, TX 79413. We offer a range of services designed to help you achieve your financial goals. From checking and savings accounts to auto loans and mortgage financing, we have solutions tailored just for you. With total deposits reaching $2,834,205 and a solid net worth of $1,763,130, your funds are secure with us. Join us as we continue to grow and make a positive impact in Lubbock. Whether you're looking for guidance on loans or simply want to explore your banking options, we're here to help! Feel free to call us at 806-796-7231 during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. Discover the difference with Capital Federal Credit Union today your financial journey starts here! Visit us online at capitalfcu.org for more information.

Branch History & Mission

Community Commitment

At Capital, we understand that our success is intertwined with the well-being of the community. We actively engage in outreach efforts to support local initiatives and partner with organizations that share our values. Our shared service center allows us to extend our reach beyond our branch walls, offering essential services to even more individuals. While members can visit us at 4210 50Th St Ste E, official correspondence should be sent to 4210 50th Street Suite E, Lubbock, TX 79413.

Looking Ahead

As we continue to grow, we remain committed to enhancing our offerings. With operating hours from 8:30 AM to 5:00 PM Monday through Friday, we're here when you need us most. Although we currently do not have ATM or drive-thru services available, we are excited about future improvements that will enhance member convenience. Join us at Capital Federal Credit Union and experience the difference of a member-focused institution. Together, let's build a brighter financial future for you and your family! For more information or assistance, feel free to call us at 806-796-7231 or visit our website at www.capitalfcu.org.

Our Journey

Though we are relatively new, Capital has already made significant strides. With total assets of $6,824,334, we have quickly established ourselves as a reliable source for personal and business banking needs. Our mission is clear: to empower our members through accessible financial solutions that promote growth and security. We believe that everyone deserves the opportunity to achieve their financial goals. Our journey began with a vision of creating a credit union that puts people first. We have embraced technology while ensuring that our services remain personal and approachable. Today, we offer a variety of products including checking accounts, auto loans, mortgages, and more all designed with your needs in mind.

Branch Location & Accessibility

Accessibility Features

At Capital FCU, we prioritize accessibility for all our members. Our branch complies with ADA standards, featuring ramps and spacious entryways that ensure everyone can visit comfortably. If you need assistance or have any special requirements during your visit, please don't hesitate to ask our staff; we're always ready to help!

Contact Us Today!

Have questions? Want to learn more about how we can support your financial journey? Give us a call at 806-796-7231 or visit us at Capital FCU for more information. We look forward to welcoming you soon!

Convenient Location

Situated in Lubbock County, our branch is close to several local landmarks, making it easy to find us. We're just a short drive from the bustling hub of downtown Lubbock and near popular spots like the Lubbock Memorial Civic Center. With ample parking available right outside our doors, you can visit us without any hassle.

Operating Hours

We know life can get busy, so we offer convenient banking hours from 8:30 AM to 5:00 PM Monday through Friday. This gives you plenty of time to stop by after work or on your lunch break.

Services Offered

Our services are designed with you in mind! From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have everything you need under one roof. Plus, if you're a member of a partner credit union, feel free to take advantage of our shared service center for basic transactions. While we currently do not offer ATM services or drive-thru banking at this location, our dedicated team is here to assist you with all your banking needs inside the branch.

Member Eligibility

At Capital, we believe that joining our community should feel warm and welcoming. Becoming a member is easy, and we're excited to invite you to be part of something special! To qualify for membership, you just need to live, work, worship, or attend school in Lubbock County. This means if you're a local resident or have ties to our vibrant community, you're eligible to join us! You'll enjoy a range of benefits like personalized service and competitive rates on loans and savings accounts. If you want to know more about the eligibility criteria, check out our detailed information at . Ready to take the next step? Opening your account at Capital is straightforward! Just give us a call at (806) 796-7231, and our friendly team will guide you through the process. We can't wait to welcome you into our family at 4210 50Th St Ste E Lubbock Tx 79413!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Work for You

In addition to loans, our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Imagine easily accepting payments from customers without the hassle of complicated systems. Our services are designed with your needs in mind, ensuring smooth transactions that help improve your bottom line. Located at 4210 50Th St Ste E Lubbock Tx 79413 in Lubbock, TX, we're here to partner with you on your journey to success. Call us at (806) 796-7231 or visit our website at https://www.capitalfcu.org/ to learn more about how we can support your business today!

Comprehensive List Of Services

Accessibility

We know that banking should be accessible for everyone. That's why we prioritize user-friendly features across all our platforms. While we currently do not have ATMs or drive-thru service at this location, our commitment remains strong in offering alternative ways for you to bank with us. For any questions about our services or how we can assist you further, feel free to reach out at (806) 796-7231 during our operating hours from 8:30 AM to 5:00 PM Monday through Friday. Ready to explore what we have to offer? Visit us at Capital Federal Credit Union, where we're dedicated to making banking easier for everyone in the community!

Business Banking

For our business members, we offer specialized services including merchant services and business loans tailored to help your business thrive. We understand that running a business comes with its own set of challenges, and we are here to provide solutions that support growth.

Credit Cards and Rewards

Looking to earn rewards while making purchases? Our credit cards with rewards allow you to enjoy benefits while managing your spending. It's an easy way to get more from your everyday purchases!

Online & Mobile Banking

In today's busy world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your finances anytime, anywhere. You can check balances, transfer funds, pay bills, and even send money using our person-to-person service all from the comfort of your home or on-the-go.

Personal Banking

Our personal banking services are designed to fit your lifestyle. We offer checking and savings accounts that help you manage your money effectively. Need a vehicle? Our auto loans and vehicle financing options can get you on the road with competitive rates and flexible terms. If you're considering buying a home, our mortgage loans and refinancing services will guide you through the process with ease. For unexpected expenses or consolidating debt, our personal loans provide quick access to cash when you need it most.

Shared Branching Services

Additionally, if you are a member of a partner credit union, our branch offers basic shared branch transactions, allowing you to perform deposits and withdrawals conveniently wherever you are.

Digital & Online Banking

Key Services

With our 24/7 online banking services available at https://www.capitalfcu.org/ , you can access your accounts anytime, anywhere. From checking balances to making transfers, everything you need is just a click away. Plus, our person-to-person transfer feature allows you to send money quickly and easily to friends or family without any hassle. For those who prefer using their smartphones, our mobile application offers an intuitive interface for managing your accounts right from your pocket. Although we currently do not support mobile payments, the app provides a user-friendly experience for checking account activity and making transactions on the go.

Security & Convenience

Your security is a top priority at Capital. While we do not offer electronic signature authorization, our systems are built with robust security measures to keep your information safe. We also provide e-statements for easy access to your financial documents, helping you stay organized without the clutter of paper statements. At Capital, we believe that accessibility and ease-of-use are essential in today's fast-paced world. Our online banking tools empower you to manage your finances in real time, ensuring you always have control over your money. Experience the convenience of digital banking with us today! Visit us at https://www.capitalfcu.org/ to learn more about how our services can benefit you.

Financial Strength

Growing Membership Base

We have established a strong community presence with a total of 730 share accounts. This shows a growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Capital is your trusted partner. Visit us at 4210 50Th St Ste E Lubbock Tx 79413 or call (806) 796-7231 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Investments in Growth

With $12,149 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $243 in used auto loans and $2,008,438 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $288,142 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $50,981, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 9 full-time employees and 460 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Foundation

With a net worth of $1,763,130, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,584 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Options

In addition to auto and mortgage loans, we provide various other lending products tailored for your needs. If you're considering refinancing any existing loans or looking for eligibility options, our knowledgeable staff is ready to assist you. Our services extend beyond just lending; we are dedicated to ensuring that each member receives personalized attention and support throughout their financial journey. For more information about our loan offerings or to discuss how we can help you today, please contact us at (806) 796-7231. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how Capital can be your partner in achieving financial success!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,130,170 in used vehicle loans and $703,043 in new vehicle loans already helping members get on the road. We understand that purchasing a vehicle is a significant investment, which is why our team is here to guide you through every step of the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We work closely with you to find a mortgage solution that fits your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This option provides you with the ability to make purchases without tying up your assets while enjoying competitive interest rates.

Loan Aggregator

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CAPITAL FEDERAL CREDIT UNION - Lubbock, TX