News

On July 1, 2025, we are increasing the amount of funds that will be available when a check deposit is placed on hold. Below are the changes to your Agreements and Disclosures – Funds Availability Policy Disclosure.

Other Check Deposits: The first $275 (previously $225) of other checks deposited will be available on the 1st business day after the day we receive the deposit.

Longer Delays May Apply: You deposit checks totaling more than $6,725 (previously $5,525) on any one day.

Special Rules For New Accounts: The first $6,725 (previously $5,525) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will be available on the 1st business day after the day we receive the deposit. The excess over $6,725 (previously $5,525) will be available on the 7th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $6,725 (previously $5,525) will not be available until the 2nd business day after the day of your deposit.

For additional information regarding the Funds Availability Policy Disclosure, you can request a copy to be mailed to you by calling us at (949) 716-5746  or e-mail us at capstonefcu@capstonefcu.coop.

We have changed our charter to community.  We have incorporated 51 census tracts that are eligible for membership.  This opens our field of membership to over 260,000 persons allowed to join Capstone FCU. 

Please go to our banner about FAQ’s on why and how to find if you are eligible to join us today!

Check out our banner on our home page.  Find out what’s new!  Learn how you can access your account at a convenient location near you!  go to www.co-opsharedbranch.org to find out more!

Your checking deposits just got easier!  Use our Touch Banking app to make free Deposits to your checking account.  Save a trip to the branch or ATM. TRY IT!  Download our app on the Apple App Store or Google Play.  Search for Capstone FCU and download today!

1st Financial Planning Group!! Call Michael for a complimentary consultation at 888-51-FIRST (888-513-4778). He is available to meet with you at the Capstone Federal Credit Union office.

Strengthen your Financial Foundation The Visa Card 0% introductory APR* for 12 months.

Capstone Federal CU is currently looking for volunteers to serve on our various committees. This is an opportunity for members to gain a better understanding of financial cooperatives and contribute to an organization that has served its members for over 50 years. Please contact Candice at the credit union for additional information at candice.landeros@capstonefcu.coop or call (949) 716-5754.

At Capstone FCU, your money is safe and available for use as cash or collateral for a loan, so remember to make regular deposits and maintain your personal information to keep your share account active. Effective May 31, 2011, dormant accounts with no activity will now be charged a monthly $10.00 dormant account fee. And remember, accounts with no activity for three years are classified by the State of California as abandoned property, and credit unions are obligated to turn these funds over to the State you reside in.

All New and Used Car loans are subject to a $10.00 administrative fee.

If you are planning to travel outside the U.S. for work or vacation and will be using your Visa or Debit MasterCard please contact us before you leave. Transactions occuring outside the U.S. may require positive verification. If we cannot reach you the card may be blocked. 800-854-7125.  You can download CardValet and manage your card(s).  Go to your app store and look for CardValet.