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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Capital Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Capital Federal Credit Union's 12 Month CD rates are at 3.45%. Capital Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Capital Federal Credit Union with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/18/2026. Capital Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Capital Federal Credit Union? Share your experience about Capital Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Capital Federal Credit Union. Capital Federal Credit Union
Capital Federal Credit Union 4210 50th St Ste E
https://www.capitalfcu.org Lubbock, TX 79413 3863 
Capital Federal Credit Union CD Rates
Capital Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Capital Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Capital Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Capital Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Capital Federal Credit Union
Website
https://www.capitalfcu.org
Address
4210 50th St Ste E,
Lubbock, TX 79413 3863
Phone
806-796-7231
Fax
President
RC Lewis
CEO
Steven Adee
Full-Time Employees
10
Part-Time Employees
71
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Return on Assets (ROA)
0.0857%
Return on Equity (ROE)
0.3496%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
5,321,220
Total Amount of Shares and Deposits
3,879,301
Total Shares and Deposits < 1 Year
3,879,301
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,719,775
Total Uninsured Shares and Deposits > $250K (F+J)
3,719,775
Total Insured Shares and Deposits > $250K (item 17 less item K)
159,526
Total Interest Expense (Sum of items 6 8)
79,077
Share Certificates
10
Number of Accounts for Share Drafts
112
Number of Accounts for Regular Shares
827
Net Income (unless the amount is already included in Undivided Earnings)
4,562
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
504,997
Total Liabilities
5,316,439
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Capital Federal Credit UnionIs Capital Federal Credit Union a safe place to deposit money?Yes, Capital Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Capital Federal Credit Union operate?Capital Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Capital Federal Credit Union?Yes, to access services at Capital Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Capital Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Capital Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Capital Federal Credit Union offer online and mobile banking?Most modern institutions like Capital Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capitalfcu.org. Current Capital Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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