Capitol Credit Union

Came here to make a deposit from a fellow credit union in their «coop» however was told i could not make a deposit… that Capital Credit members can use other credit unions, but other credit union members can not use Capital Credit. Wow! I saw the Coop logo on their website.

Absolutely worst service ever! I used this banks ATM and it didn’t give me the cash. Instead it said error ans still took the money out of my A+ FCU account. After calling the bank they said –we can’t do anything about our ATM and that I need to speak to my bank. I asked the manager of the Lavaca branch to make it right and she advised I should borrow the money since mine was stolen by their ATM! When asked about at least shutting it down so it doesn’t ruin anyone else’s weekend she said «it’ll probably work for about the next 100 transactions. Seriously 1 failure in100 is acceptable?
Never going to go here again!

I have been a customer of Capital Credit Union for years until now, receiving statements every quarterly at my address of 36 years. None of these statements were ever returned to them as non-​deliverable. They recently closed my account and sent all my funds to the state because of non-​activity. When I first emailed them about what they did with my funds, I received no reply. I then called them and asked why they had done this without warning me. They informed met that by law they were not obligated to do so since my account was under $ 250. I have numerous other financial accounts, and they have ALWAYS warned me if I am in jeopardy of such an action — even those with smaller amounts. So, I had to contact the state, and the state will be sending me a check for my funds minus a 1.5% processing fee in 7 — 14 days. What a hassle! Capital Credit Union, shame on you! You do not take care of your customers.

They have not kept up technologically. My acct on line does not show deposits for the last two months. I have the deposit slips so I am sure I will get it worked out when they open but not seeing several thousand dollars is a bit disconcerting. Their phone system goes down on a regular basis. The complaint agency for Credit Unions told me there are numerous complaints against them and «I wouldn’t use them». They are the closest to state agencies near UT so that is why they have a decent business. The folks they have working there a nice and that is the reason I have stayed plus the hassle of changing but the employee turnover is high. Finally, today when I called to report an issue with my debit card and the number printed on the card was «not in service», I accepted it was time to move on from the Green Acres mentality.

How have I not written a review about my bank yet? I love them so much. They saved me from the tyranny of the evil BOA (Bank of America), defeated my momentary broke periods with short term loans at really affordable rates, and have vanquished Non-​Sufficient Funds Fees with another short-​term loan option that kicks in automatically when I’ve gone a little shoe-​crazy (or happy-​hour crazy).
Oh, and last Christmas when someone stole my identify and made a fake debit card and took $ 800 out of my account, CCU called me that morning, asked me to come in a sign an affidavit, and returned the funds to my account right then. Like before I was even out of my seat.
Did I mention they notarize stuff and even, while going through my divorce, allowed my ex and I to sign and notarize things separately? Yep, so nice. And also during said divorce, when I was particularly cash-​strapped and needed tons of flow for moving and deposits, CCU was there with a pre-​approved loan that had like 1.9% interest rate on it and automatically drew out of my checking to pay itself off. Huh? Yeah. Way awesome.
They also approved me for a ridiculous car loan so I could buy a late-​model BMW. But I decided not to take them up on that offer, I just wanted to see if they would. And they did. Maybe in another few years…