Capitol Credit Union Austin TX | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Capitol, your trusted financial partner located at 1718 Lavaca St, Austin, TX 78701. Established in 1954, we have proudly served the community for decades, fostering a strong sense of trust and support among our 13,061 members. Our commitment to providing top-notch financial services is reflected in our impressive total assets of $215,295,025 and total deposits amounting to $24,374,717. At Capitol, we understand that every member's financial journey is unique. Whether you're looking for personal banking solutions like checking and savings accounts or more specialized services such as auto loans and mortgages, our dedicated team is here to help you achieve your goals. We currently offer a variety of lending options with a total loan portfolio of 8,242 loans, ensuring that we meet the diverse needs of our members. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to PO Box 81647, Austin, TX 78708. With a solid net worth of $26,499,311 and cash reserves of $2,481,420, you can rest assured that your finances are in safe hands. Our leadership team is committed to fostering a positive community impact. Under the guidance of our CEO, Pierre Cardenas, and Board President Michael Jones, we continue to prioritize our members' interests and maintain transparency in all our operations. We invite you to experience the Capitol difference today! Call us at 512-477-9465 or visit our website at ccutx.org to learn more about how we can assist you on your financial journey.

Branch History & Mission

Community Engagement

Capitol is not just about banking; it's about building a vibrant community. We actively engage in outreach efforts and partnerships that uplift those around us. From local events to educational workshops on financial literacy, we strive to make a real impact on the lives of our members and neighbors alike. While members can visit us at 1718 Lavaca St, official correspondence should be sent to PO Box 81647, Austin, TX 78708. Our operating hours are Monday through Friday from 9 AM to 5:30 PM, so feel free to stop by or give us a call at 512-477-9465 whenever you need assistance. Join us at Capitol where together we can achieve more! Experience the difference of being part of a credit union dedicated not only to your financial success but also to the well-being of our entire community. Explore how we can help you today!

Our Mission

Our mission is simple yet profound: to enhance the financial well-being of our members while actively contributing to the community's growth. We believe that everyone deserves access to quality financial services without barriers. Whether you're looking for personal banking options like checking and savings accounts or seeking assistance with auto loans and mortgages, we're here to help you every step of the way. We are committed to ensuring that our services are accessible to all. Our branch is ADA compliant, meaning everyone can benefit from what we offer. Additionally, we embrace technology with online banking, mobile payments, and electronic statements making it easier than ever for you to manage your finances.

Branch Location & Accessibility

Convenient Access

At Capitol Credit Union, we believe accessibility is key. Our branch features parking options nearby and complies with ADA standards, ensuring that everyone can visit us comfortably. If you prefer banking on the go, we offer ATM services for your convenience yes, that's right! You can access your funds easily without stepping inside.

Friendly Operating Hours

We're here for you Monday through Friday from 9 AM to 5:30 PM, ready to help with all your financial needs. Whether you're interested in opening a new account, applying for an auto loan, or simply want to chat about your options, our friendly team is eager to serve you.

More Than Just Banking

While visiting us at 1718 Lavaca St, remember that official correspondence should be directed to our mailing address at PO Box 81647, Austin, TX 78708. We provide a range of services tailored for both personal and business banking needs from checking and savings accounts to credit cards with rewards and various loan options. We invite you to stop by our Downtown branch or give us a call at 512-477-9465 if you have any questions or need assistance. At Capitol Credit Union, we're not just about banking; we're about building relationships and supporting our community. Come see how we can help you today!

Member Eligibility

Becoming a member of Capitol is like joining a family that truly cares about your financial well-being. Here, we welcome anyone who lives, works, or worships in our community, making it easy for you to connect with us. Whether you're looking for personal banking solutions, auto loans, or just a supportive environment to manage your finances, Capitol has something special for everyone. If you're interested in learning more about the specific eligibility requirements, feel free to check out the details at . Opening an account is straightforward and inclusive just visit us at our branch located at 1718 Lavaca St Austin Tx 78701, or give us a call at (512) 477-9465. We're here to guide you through every step of the process so you can start enjoying the benefits of membership today! For those ready to take the next step, you can find all the information you need about opening an account here.

Business Banking & Commercial Services

Commercial Loans

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

Imagine having a seamless payment system that enhances customer experience. Our merchant services make it easy for you to accept various payment methods, whether it's credit cards, mobile payments, or online transactions. This means more convenience for your customers and better cash flow for your business. Located at 1718 Lavaca St Austin Tx 78701 in Austin, TX, our team is ready to assist you from Monday to Friday, 9 AM to 5:30 PM. Contact us at (512) 477-9465 to learn how we can support your business journey!

Comprehensive List Of Services

Additional Services

At Capitol, we also prioritize member satisfaction by providing basic ATM access that ensures you have quick access to cash when necessary. Plus, our friendly team is always available at (512) 477-9465 during operating hours Monday through Friday from 9 AM to 5:30 PM to assist with any questions or concerns. We invite you to explore all these services at Downtown. Join us today and take advantage of what we offer! For more information or to open an account, visit us online at https://www.ccutx.org/ or give us a call at (512) 477-9465. Your financial success is just a step away!

Business Banking

For entrepreneurs and small business owners, our business banking services include merchant services and business loans designed to fuel growth. We understand the unique challenges of running a business and are here to support you every step of the way.

Credit Cards

Our credit cards come with rewards that can benefit you every time you use them. Whether it's earning points for travel or cash back on daily purchases, we want to ensure you're rewarded for managing your finances wisely.

Loans and Financing

When it comes to financing your dreams, we offer auto loans and vehicle financing that get you on the road faster. Imagine driving off in that new car you've been eyeing! If you're looking to buy a home or refinance your existing mortgage, our mortgage loans come with competitive rates tailored to help you achieve homeownership without the stress. For those moments when life throws a curveball, personal loans and debt consolidation options can provide much-needed relief.

Online & Mobile Banking

Embracing technology means convenience is always at your fingertips. With our online and mobile banking features, managing your accounts has never been easier. Check balances, transfer funds, or pay bills from anywhere using our user-friendly mobile application. Additionally, our ATM services allow for easy cash withdrawals and balance checks whenever you need them.

Personal Banking

Our personal banking services make it easy for you to manage your money effectively. With checking and savings accounts that fit various lifestyles, you can choose the best options for your everyday needs. Perhaps you're saving for a dream vacation or planning for unexpected expenses; our accounts offer flexibility and convenience.

Digital & Online Banking

Key Features

With just a few clicks, you can log in to our online banking at https://www.ccutx.org/ . Here, you'll find everything you need to manage your accounts effectively. You can view balances, pay bills, and even transfer money between accounts all from the comfort of your own space. Need to send money to a friend? Our person-to-person transfers make it easy to send funds quickly without hassle. Plus, if you're always on the move, our mobile application is available for download, giving you full access to your accounts right from your smartphone.

Security and Convenience

Security is our top priority. We offer electronic signature authorization for an added layer of protection when signing important documents. This means you can complete transactions with confidence, knowing that your information is safe. We also provide e-statements so you can go paperless and keep track of your finances efficiently. With 24/7 online banking services, you're never out of touch with your money. And don't forget about mobile payments! Whether it's buying groceries or paying for a coffee, simply use your phone for fast and secure transactions. At Capitol, we believe that managing your finances should be as straightforward as possible. With real-time account management at your fingertips, you can enjoy peace of mind knowing that help is always just a click away. Experience the convenience of digital banking today!

Financial Strength

A Dedicated Team Committed to You

We also take pride in having 46 full-time employees and 3 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team. Our staff works hard to provide personalized service that meets your unique needs. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for all members. You can trust that your finances are in capable hands at Capitol.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Capitol is your trusted partner. Visit us at 1718 Lavaca St Austin Tx 78701 or call (512) 477-9465 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.

Investing in Our Community

With $21,374,508 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This reinvestment strategy helps us adapt to changing needs while maintaining a reliable service standard. Our lending capacity supports your financial goals with $3,038 in used auto loans and $147,892,318 in total loans and leases across various sectors. Whether you're buying a car or financing personal projects, we're here to assist you every step of the way.

Member-Centric Savings Options

Members' savings are secured through $26,706,799 in share certificates and $18,856,080 in money market shares, offering stable and rewarding financial growth opportunities. These options help our members grow their wealth securely. 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 tailored just for our valued members.

Solid Financial Foundation

With a net worth of $26,499,311, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This figure reflects our ability to support your needs while also ensuring the growth of our credit union. Our net worth ratio of $1,228 demonstrates a solid capital foundation. This means we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Your confidence in us is backed by robust financial metrics.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $53,310,791 in used vehicle loans and $14,906,606 in new vehicle loans already helping members get on the road. We provide flexible terms that can fit your budget, making it easier for you to drive away with your dream vehicle.

Credit Lines and Unsecured Loans

Managing finances can sometimes be challenging. That's why we offer flexible credit lines totaling $64,668,830 and unsecured credit card loans amounting to $3,275,266. These options can provide the extra support you need when unexpected expenses arise.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $35,897,649, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our knowledgeable team is here to guide you through the process.

Refinancing Options

If you're considering refinancing your current loans or mortgages, our team can help assess your eligibility and find the best solutions tailored for you. We aim to make refinancing as straightforward as possible so you can enjoy better rates and terms. For any questions or to learn more about our loan offerings, feel free to reach out at (512) 477-9465. Our friendly staff at 1718 Lavaca St Austin Tx 78701 in Austin, TX are ready to assist you Monday through Friday from 9 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you navigate your financial journey with confidence!

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users access up-to-date loan rates from multiple institutions, enabling informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

CAPITOL CREDIT UNION