Capitol Credit Union Austin TX | Best Auto Loans & Business Banking

Introduction

Welcome to Capitol, your trusted credit union located at 133 E Ben White Blvd, Austin, TX 78704. Since our establishment in 1954, we have been committed to serving our community with integrity and personalized financial solutions. With a total membership of over 13,000 members and assets totaling $215,295,025, we pride ourselves on being a reliable partner for your financial journey. At Capitol, we understand the importance of fostering relationships and supporting our members' financial needs. Whether you are looking for checking and savings accounts, auto loans, or mortgage refinancing, our dedicated team is here to help you every step of the way. We currently offer over 8,242 loans and leases, reflecting our commitment to empower members through accessible financing options. While members can visit us at our branch location for face-to-face assistance, official correspondence should be sent to our mailing address: PO Box 81647, Austin, TX 78708. Our experienced staff operates with transparency and dedication under the leadership of CEO Pierre Cardenas and Board President Michael Jones to ensure that your banking experience is smooth and fulfilling. We know that navigating finances can sometimes feel overwhelming. That's why we provide modern conveniences like online banking and mobile payments to make managing your money easier than ever. Plus, with a net worth of $26,499,311 and cash in hand amounting to $2,481,420, you can trust that your funds are secure with us. Join us today and discover how Capitol can help you achieve your financial goals! For more information or assistance, please call us at 512-477-9465 or visit our website at www.ccutx.org. Let's build a brighter financial future together!

Branch History & Mission

Community Engagement

Capitol believes that strong communities lead to strong individuals. We actively engage in outreach programs that support local initiatives and partnerships aimed at enriching the lives of those around us. From sponsoring events to providing financial education workshops, we are committed to giving back and helping foster a vibrant community spirit.

Join Us Today!

We invite you to experience the benefits of being part of Capitol. With drive-thru banking available during convenient hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 2:00 PM you can manage your finances easily without compromising your schedule. If you're looking for a credit union that values community as much as it values its members' financial success, join us today! Visit our website or call us at 512-477-9465 for more information on becoming a member. Together, let's build a brighter financial future!

Modern Banking Services

As we move forward into an increasingly digital world, Capitol has embraced technology while ensuring accessibility for all members. Our services include mobile payments, online banking, and person-to-person transfers designed to fit the lifestyles of today's busy members. We also maintain ADA compliance across our branches so that everyone can access our services comfortably.

Our Mission

Our mission is straightforward: to empower our members by providing exceptional financial services while fostering community well-being. We aim to be more than just a place for banking; we strive to be a partner in achieving personal and financial goals. Whether it's through our various loan options, including auto loans and mortgages, or our accessible online and mobile banking services, we are dedicated to making banking convenient and beneficial for everyone. While you can visit us at our main location on Ben White Blvd, official correspondence should be sent to PO Box 81647, Austin, TX 78708. This ensures that all your communications reach us promptly and securely.

Branch Location & Accessibility

Welcome to the Capitol branch of your trusted credit union, conveniently located at 133 E Ben White Blvd in beautiful Austin, Texas. This central spot makes it easy for our members to access essential banking services while enjoying the vibrant surroundings of Travis County. Whether you're heading to a local café or visiting nearby landmarks, stopping by our branch is simple and straightforward. At Capitol, we prioritize your convenience. Our branch features ample parking and is designed with accessibility in mind, ensuring that everyone can easily navigate our facilities. Plus, we are proud to offer ADA-compliant features, making it easier for all members to enjoy our services. We understand that your time is valuable. That's why we have flexible operating hours tailored to fit your busy schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, while our drive-thru service is available on Saturday from 9:00 AM to 2:00 PM. Whether you prefer a face-to-face interaction or the ease of drive-thru banking for quick deposits and withdrawals, we've got you covered! In addition to traditional banking services like checking and savings accounts, we also offer a variety of personal loans, auto financing, and credit card options with rewards that cater to your financial needs. Need cash? We have an ATM on-site for your convenience. While members can visit us at 133 E Ben White Blvd, please note that official correspondence should be sent to PO Box 81647, Austin, TX 78708 if different. If you have any questions or need assistance, feel free to give us a call at 512-477-9465. Our friendly team is here to help! Come visit us today and discover how Capitol can support your financial journey.

Member Eligibility

At Capitol, we believe that becoming a member is like joining a warm and welcoming family, where your financial well-being truly matters. If you're looking to join us, you'll be pleased to know that eligibility is simple and inclusive! Generally, anyone who lives, works, worships, or attends school in our local area can become a member. We value community connections and want to make sure you feel right at home with us. For the most accurate and updated details about eligibility, please check out this resource. Opening an account at Capitol is a breeze! We offer various options tailored to fit your needs, whether you're interested in savings accounts, loans, or other financial services. Simply visit our account opening page here: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad_0xtfqdwvqrljyhmgceyy9yynuc1ef7aljah3cbmfxtisht8oac1hnoq6tfcvr9is9l_ksj-cd-b5phkjn_4wfz9arafggepxlfqbbetikq, or give us a call at (512) 477-9465 if you have any questions. Our friendly team is excited to help you take the first step towards becoming part of our supportive community at Capitol located at 133 E Ben White Blvd Austin Tx 78704!

Business Banking & Commercial Services

Business Loans That Fuel 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 Simplify Transactions

In today's fast-paced world, efficient payment processing is crucial. Our merchant services provide seamless transaction capabilities that allow you to focus on what matters most running your business. Imagine accepting payments easily from customers while accessing tools that help you manage sales effectively. Explore how our business banking and commercial services can transform your operations at Capitol, located at 133 E Ben White Blvd Austin Tx 78704. For more information, call us at (512) 477-9465 or visit our website at https://www.ccutx.org/.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we provide essential tools through our Business Banking services. From Merchant Services that simplify transactions for your customers to Business Loans that support your growth, we aim to be your partner in success.

Credit Cards and Rewards

Shopping just got more rewarding! With our Credit Cards with Rewards, every purchase brings you closer to exciting benefits. Whether it's cashback on groceries or travel perks, we ensure you get more value from your everyday spending.

Digital Banking Convenience

In today's fast-paced world, having access to banking at your fingertips is crucial. Our robust Online & Mobile Banking platforms allow you to manage accounts, pay bills, and transfer money with just a few taps on your device. Need cash? Our convenient ATM & Cash Withdrawal Services ensure that accessing your funds is hassle-free.

Drive-Thru and ATM Access

For quick transactions, take advantage of our basic drive-thru banking for deposits and withdrawals. Plus, our ATMs are available for balance checks and cash withdrawals whenever you need them. At Capitol, we strive to deliver exceptional service tailored just for you. Whether you're visiting us at 133 E Ben White Blvd Austin Tx 78704 in Austin, TX or managing everything online, we are here to help every step of the way. Explore all these services and more by visiting us today or check out our website at https://www.ccutx.org/ for additional information. Ready to take the next step? Give us a call at (512) 477-9465 or visit us in person! Your financial journey starts here with Capitol!

Loans and Financing

Need a new car or looking to buy a home? Our Auto Loans & Vehicle Financing options make it easier than ever to get behind the wheel of your dream car. If homeownership is on your mind, explore our Mortgage Loans & Refinancing solutions tailored to fit various budgets. For those unexpected expenses or projects, our Personal Loans & Debt Consolidation can provide the necessary funds while simplifying your payments.

Personal Banking

Whether you're looking to manage day-to-day expenses or save for future dreams, our personal banking services have got you covered. We offer Checking & Savings Accounts that cater to different lifestyles, making it simple to track your spending and grow your savings. Imagine having a checking account that offers easy online access, allowing you to monitor your transactions from anywhere.

Digital & Online Banking

Accessibility and Convenience

We believe in making banking as accessible as possible. Whether you're at home or out running errands, our services are designed for ease-of-use and real-time account management. With Capitol's digital banking options, keeping track of your finances has never been easier. Join us today at https://www.ccutx.org/ and experience how convenient banking can be!

Key Features

Our online banking services allow you to check your account balances, transfer money between accounts, and pay bills all from the comfort of your home or on the go. Plus, with our mobile application available, you can enjoy these features right from your smartphone. You'll never have to worry about waiting in line again! Security is our top priority. Our electronic signature authorization feature ensures that all transactions are safe and reliable. You can also opt for e-statements, which provide a quick and eco-friendly way to keep track of your finances without the clutter of paper statements. Need to send money to a friend? Our person-to-person transfer service makes it simple. Just a few taps on your phone, and you're done! We also support mobile payments, allowing you to make purchases easily wherever contactless payments are accepted.

Financial Strength

Member Trust

Total Share Accounts stand at 24,596, demonstrating a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments) are currently at $0. 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 133 E Ben White Blvd Austin Tx 78704 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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $161,725, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 46 full-time employees and 3 part-time employees ready to assist you at every step.

Reinvesting in Our Members

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. Our capacity for lending is robust; we have $3,038 in used auto loans and $147,892,318 in total loans and leases to support your financial goals across various sectors.

Secure 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. We prioritize our members over traditional banking practices; with non-member deposits at $0, our focus remains on benefiting you through better loan rates and exclusive perks.

Strong Financial Health

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. Our net worth ratio of 12.28% 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

Accessibility and Support

At Capitol, our dedicated team is ready to assist you through every step of the borrowing process. We also have refinancing options available for existing loans, ensuring that you can take advantage of better rates or terms as they become available. If you're curious about your eligibility for any of our loan products or would like more information on how we can assist you, feel free to reach out at (512) 477-9465. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your financial goals are, we're here to support you with products designed for your success. Visit us at 133 E Ben White Blvd Austin Tx 78704 in Austin, TX, and let's start working towards your financial future together!

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. Whether you're eyeing a new model or considering a reliable used car, we have competitive options that can fit your budget.

Credit Lines and Unsecured Loans

For those who need flexibility, our credit lines total $64,668,830 and are designed to provide access to funds when you need them most. Additionally, we offer unsecured credit card loans with a total of $3,275,266, allowing members to manage their finances effectively without collateral.

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. We provide tailored solutions that can help you navigate the home-buying process with ease.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing ensures that users receive fair and transparent offers tailored to their needs.

CAPITOL CREDIT UNION - Austin, TX

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