From the moment you join Capstone Federal Credit Union, you’ll receive personalized attention. At Capstone FCU, you’ll always be treated with the respect you deserve and can rely on the rock-solid service you’ll receive from our highly trained staff. It’s important to us that our community understands and appreciates the unique role that member-owned financial cooperatives can play in their lives.

Our members are the bedrock of our credit union. Member-owned and not-for-profit, we’re a financial co-operative that puts our members’ needs first. Our core responsibility is to build our members’ financial strength and independence. We offer numerous financial products to do just that: checking and savings accounts, credit cards, great loan rates, and online banking services. Membership Guide Information

Build your financial future on a strong foundation - Capstone Federal Credit Union.

Formed in 1953 as Fluor Federal Credit Union to serve the employees of that company, we expanded to a community charter in 2023. We’re dedicated to our community and our members. People who live, work, worship, and attend schools in Orange County, within our 51 Census tracts, are eligible for membership in Capstone FCU. Immediate family members of existing Capstone FCU members are also eligible for membership. Click here to find out if you are eligible for membership at Capstone FCU.

Important account opening information: Federal law requires us to obtain sufficient information to verify your identity. All applicants (primary & joint) must submit a photocopy of a current and valid state or U.S. government–issued photo identification card. The credit union must maintain the records used to verify each person’s identity. Our privacy policy and federal law protect the information you provide. For more information on the U.S. Patriot Act, click here.

To complete your membership application process, please complete and sign the Membership & Account Application.

To join CFCU, please bring in or mail the Membership & Account Application, available at www.capstonefcu.coop under Membership, with your original signature, a copy of photo identification, and a check payable to Capstone FCU for $30.00 ($25.00 minimum deposit and $5.00 one-time membership fee) to Capstone FCU, 3 Polaris Way 31B, Aliso Viejo, CA 92656.

For additional information regarding membership, please contact a credit union representative at (800) 854-7125. Community Charter change FAQ’s here


Eligible Companies

First Class Glass
Fluor Corporation and its subsidiaries
Granado Bland
Headway Staffing
Human Performance Institute
IBM Corporation
Irvin Aerospace
Law Offices of Melissa C. Alexander
Leverage System Technologies
Lexus of Mission Viejo


Loose Leaf Filing Service, Inc.
Lowe Enterprises
Lyall Turbosonics
Merit Property Management
MJ's Cafes and Expresso Carts
Ophthalmic Instruments, Inc.
Ossola Wealth Management
P & A Food Systems
Quest Software
Randall V. Ricketts D.O.
Sage Behavior Services
San Clemente Inn
Saturn of San Juan Capistrano
Soka University of America
Spa Gregorie’s
Trend Western Technical Corp
United Advertisement Publications
Vista Behavior Consulting
Waddell & Reed, Inc.
Weseloh Honda
Winthrop Management
Xerox Services


THIRD PARTY SITE DISCLAIMER - You are leaving Capstone FCU's website. You are linking to an alternate website not operated by Capstone FCU, and Capstone FCU is not responsible for the content of the alternate website. The fact that there is a link from Capstone FCU's website to an alternate website does not constitute endorsement of any product, service, or organization. Capstone FCU does not represent either you or the website operator if you enter into a transaction. Privacy and security policies may differ from those practiced by Capstone FCU, and you should review the alternate website's policies. Click OK to confirm that you want to open this page.

Continue Cancel
E-Branch has changed it look

You must prefill any log in numbers with preceding 0's if log in shorter than 6 digits. xxxxx = 0xxxxx