What are the current interest rates at Capital Federal Credit Union?

Current rates for Capital Federal Credit Union include: 12-Month CD: 3.76%

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Capital Federal Credit Union

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Capital Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Capital Federal Credit Union's 12 Month CD rates are at 3.76%. Capital Federal Credit Union's Auto Loan Rates are as low as 4.99%. MonitorBankRates evaluates the financial stability of Capital Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.39%. Rates last updated and verified on 09/21/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.39%

Excellent Lower than avg

Health Trend

Very strong 11 quarters

Full history ›

Capital Federal Credit Union
Capital Federal Credit Union

4210 50th St Ste E
Lubbock, TX 79413-3863

https://www.capitalfcu.org

Capital Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
12 Month CD	-	3.76%	12 Months
Details As High As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.39%

Capital Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.39%

Capital Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA	-	-	1.76%
Details As High As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.39%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Capital Federal Credit Union’s Texas Ratio stayed near 0.26% in Q2 2023 to 0.39% in Q4 2025, so its financial health has stayed very strong over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
December 31, 2025	$4M	0.39%	5.0	A+
September 30, 2025	$5M	0.00%	5.0	A+
June 30, 2025	$7M	3.03%	5.0	A+
March 31, 2025	$7M	0.32%	5.0	A+
December 31, 2024	$8M	2.93%	5.0	A+
September 30, 2024	$7M	0.78%	5.0	A+
June 30, 2024	$8M	0.09%	5.0	A+
March 31, 2024	$7M	0.51%	5.0	A+
December 31, 2023	$7M	0.48%	5.0	A+
September 30, 2023	$8M	0.45%	5.0	A+
June 30, 2023	$8M	0.26%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.39%

Return on Assets (ROA)

-2.7917%

Return on Equity (ROE)

-10.8805%

Non-Performing Loans Ratio (NPL)

0.26%

Total Assets

4,218,823

Total Amount of Shares and Deposits

3,086,334

Total Shares and Deposits < 1 Year

3,086,333

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,249,495

Total Uninsured Shares and Deposits > $250K (F+J)

1,249,495

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,836,839

Total Interest Expense (Sum of items 6 8)

101,105

Share Certificates

Number of Accounts for Share Drafts

106

Number of Accounts for Regular Shares

860

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,903,037

Total Liabilities

4,336,380

Source: NCUA — Last Updated 12/31/2025

Customer Reviews

There are no reviews for Capital Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Capital Federal Credit Union

Frequently Asked Questions About Capital Federal Credit Union

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.