Rates

We structure our rates to serve your best interests.

You come to Capital Credit Union for our friendly service and our great rates. As a not-for-profit institution, we prioritize our members' needs in many ways. Allowing you to earn more on your savings and save more on your loans are two of them. When you need to save for a specific goal or make a big purchase, check our current rates to see how we can help you get the most out of your money.

Capital Credit Union's current fee schedule is available upon request. Click here to contact us.

Rates accurate as of Sept. 28, 2022​, and subject to change without notice.  Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history.


 

Mortgage Loans

For current rates, call our Mortgage Services Team at 701.255.0042.

Fixed Rate Loans

Loan Annual Percentage Rate Range
New and Used Auto* 4.24% to 23.14%
Boat, RV, Motorcycle, ATV, Etc.* 5.24% to 24.99%
Share Secured 2.00%
CD Secured 2.00% over CD Rate
Home Equity Line of Credit
INTEREST ONLY
(5-year term)
7.50% to 16.25%
Home Equity Line of Credit
(10-year term)
5.24% to 15.25%
Home Equity Line of Credit
(15-year term)
5.99% to 15.60%
Home Equity Loan
(5-year term / 90% LTV)
4.99% to 14.50%
Home Equity Loan
(5-year term / 80% LTV)
4.74% to 14.00%
Home Equity Loan
(10-year term / 90% LTV)
5.49% to 14.75%
Home Equity Loan
(10-year term / 80% LTV)
5.24% to 14.25%
Home Equity Loan
(15-year term / 90% LTV)
6.29% to 15.25%
Home Equity Loan
(15-year term / 80% LTV)
6.04% to 14.75%
New Manufactured Homes
(Additional Requirements)
7.00% to 10.50%
Used Manufactured Homes
(Additional Requirements)
7.50% to 10.75%

LTV = Loan-to-Value Ratio

*New and Used Security Rates above reflect a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Based on credit qualifications. All loans subject to credit approval. Fees may apply.

Variable Rate Loans

Loan Annual Percentage Rate Range
Home Equity Line of Credit
INTEREST ONLY
(5-year term)
7.00% to 15.25%
Home Equity Line of Credit
(10- or 15-year term)
5.75% to 11.25%
Unsecured - Signature Loan/Line 11.50% to 20.75%
Visa with Rewards Click for details.
Visa without Rewards Click for details.

Rates accurate as of Sept. 28, 2022​, and subject to change without notice. Fees may reduce earnings. The rates, fees and charges applicable to your account at Capital Credit Union are provided below. Capital Credit Union may offer rates or amend the rates for these accounts from time to time.


 

Savings

Account Type Minimum Tier Rate APY*
Regular Share (S1) $25 $0 - 1,999.99
2,000.00 - 9,999.99
10,000.00+
0.05%
0.05%
0.05%
0.05%
0.05% - 0.05%
0.05% - 0.05%
Thrive Savings (S45) None $0 - 20,000.00
20,000.01+
1.60%2
0.05%2
1.61%2
0.09%2
Special Share (S2, S30, S32) None All amounts 0.05% 0.05%
Home Sweet Home Club (S31) None All amounts 0.05% 0.05%
CU Save (S50) None $0 - 499.99
500.00 - 999.99
1,000.00 - 1,999.99
2,000.00+
0.05%
0.05%
0.05%
0.05%
0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $0 - 2,499.99
2,500.00 - 9,999.99
10,000.00 - 19,999.99
20,000.00 - 49,999.99
50,000.00 - 249,999.99
250,000.00 - 499,999.99
500,000.00+
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
Transactional Account (S5) None All amounts 0.05% 0.05%
Business Transactional Account (S16) None All amounts 0.05% 0.05%

Money Market

Account Type Minimum Tier Rate APY*
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $0-9,999.99
10,000.00-25,000.00
25,000.01-49,999.99
50,000.00-99,999.99
100,000.00-249,999.99
250,000.00-499,999.99
500,000.00-999,999.99
1,000,000.00+
0.050%
0.100%
0.100%
0.130%
0.150%
0.250%
0.350%
0.350%
0.05%
0.05% - 0.08%
0.06% - 0.09%
0.09% - 0.11%
0.11% - 0.13%
0.13% - 0.19%
0.19% - 0.27%
0.27% - 0.30%

Checking

Account Type Minimum Tier Rate APY*
Simple Checking (S14) None All amounts None None
Edge (S10) None All amounts None None
Classic Checking (S7)1 $2,500 min. deposit balance or total loans of $40,000+ to avoid fee No dividend paid below $2,500.00.
2,500.00 - 24,999.99
25,000.00+

1.0%
0.05%

0.0%-1.0%
0.0%-0.05%
Business Checking (S12, S15) $500 No dividend paid on min. balance.
$500+

0.05%

0.0%-0.05%
Share Draft (S11, S19) None All amounts None None

 
*Annual Percentage Yield

1Dividends paid at 1% Annual Percentage Yield to Classic Checking account holders on balances of $25,000 or less, and 0.05% APY for any balance above ­$25,000, who meet all of the following requirements: 1) must be a member in good standing, 2) have 12 or more qualifying transactions that post and clear each month during the qualification period on their Capital Credit Union debit or credit card, and 3) maintain a minimum average daily balance of $2,500­ in the Classic Checking account. If all requirements are not met, dividends will be paid at 0.05% APY, as long as the minimum average daily balance requirement of ­$2,500 is met. No dividends will be paid for accounts failing to meet the minimum average daily balance requirement. Dividends will be deposited into the checking account on the last day of the month in which the qualification period ends. Qualifying transactions include debit or credit card purchases but do not include ATM transactions. The qualification period is defined as the first through the last day of the calendar month. Transactions may take one or more business days from the date the transaction was made to post to the checking account. High yield rate incentive is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.

2Average daily balance must be at least $1,000 to earn dividends. 

Rates accurate as of Sept. 28, 2022​, and subject to change without notice. Fees may reduce earnings. The rates, fees and charges applicable to your account at Capital Credit Union are provided below. Capital Credit Union may offer rates or amend the rates for these accounts from time to time.


 

Regular/IRA Certificates of Deposit

Term Rate1 Annual Percentage Yield1
$500 Minimum Balance
6-Month 0.498% 0.50%
12-Month 0.498% 0.50%
24-Month 0.548% 0.55%
36-Month 0.647% 0.65%
$2,500 Minimum Balance
3-Month 0.449% 0.45%
6-Month 0.548% 0.55%
9-Month 0.598% 0.60%
12-Month 0.648% 0.65%
15-Month Special2,4 2.226% 2.25%
18-Month 0.747% 0.75%
22-Month Special2,5 2.324% 2.35%
24-Month 0.846% 0.85%
36-Month 1.094% 1.10%
48-Month Bump-A-Rate2 1.193% 1.20%
54-Month Bump-A-Rate3 1.242% 1.25%
60-Month 1.242% 1.25%
61-Month Bump-A-Rate3 1.242% 1.25%

Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply.
1A member with a good standing Classic Checking account can be granted a CD bump of .10% APY upon request at CD opening or renewal.
2The CD bump of .10% APY is not available on any special CD rate offer.
3CD term currently unavailable.
4CD will mature 15 months after the date it is opened. Upon maturity, funds will roll into regular savings. Other restrictions may apply. Offer expires when limit is reached. Offer may end at any time and without notice.
5CD will mature 22 months after the date it is opened. Upon maturity, funds will roll into regular savings. Other restrictions may apply. Offer expires when limit is reached. Offer may end at any time and without notice.

Annual Percentage Yield Range

REGULAR SHARE (S1)
Tier 1: If your daily balance is $1,999.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,000, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

THRIVE SAVINGS (S45)
Tier 1: If your average daily balance is at least $1,000.00, the prospective dividend rate paid on the balance of $0 - $20,000 will be 1.60% APR with a prospective annual percentage yield of 1.61% for the dividend period.

Tier 2: If your average daily balance is at least $1,000.00, the prospective dividend rate paid on the balance of $20,000.01 or more will be 0.05% APR with a prospective blended annual percentage yield of 0.09% -1.61% for the dividend period.

CU SAVE (S50)
Tier 1: If your daily balance is $1,999.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

MONEY MARKET (S3, S4, S40)
Tier 1: If your daily balance is $9,999.99 or less, the prospective dividend rate paid on the entire balance will be 0.050% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.100% and will be paid only on the portion of your daily balance that is $10,000.00 or greater, but less than $25,000.00, with a prospective annual percentage yield ranging from 0.05% to 0.08% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.100% and will be paid only on the portion of your daily balance that is $25,000.01 or greater, but less than $49,999.99 with a prospective annual percentage yield ranging from 0.06% to 0.09% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.130% and will be paid only on the portion of your daily balance that is $50,000.00 or greater, but less than $99,999.99, with a prospective annual percentage yield ranging from 0.09% to 0.11% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.150% and will be paid only on the portion of your daily balance that is $100,000.00 or greater, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.11% to 0.13% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.250% and will be paid only on the portion of your daily balance that is $250,000.00 or greater, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.13% to 0.19% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 0.350% and will be paid only on the portion of your daily balance that is $500,000.00 or greater, but less than $999,999.99, with a prospective annual percentage yield ranging from 0.19% to 0.27% depending on the balance in the account, for this dividend period.

Tier 8: The prospective dividend rate on your account is 0.350% and will be paid only on the portion of your daily balance that is $1,000,000.00 or greater, but less than $1,500,000.00, with a prospective annual percentage yield ranging from 0.27% to 0.30% depending on the balance in the account, for this dividend period. 

TRADITIONAL IRA SHARE (S20), ROTH IRA SHARE (S23, S24), EDUCATION SHARE (S22)
Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $2,500 or greater, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $10,000 or greater, but less than $19,999.99 with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $20,000 or greater, but less than $49,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $50,000 or greater, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $250,000 or greater, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $500,000 or greater, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

CLASSIC CHECKING
Tier 1: The prospective dividend rate on your account is 1.00% and will be paid only on the portion of your daily balance that is greater than $2,500 but less than $25,000, if the following qualifications are met: (1) must be a member in good standing, (2) have 12 or more qualifying transactions that post and clear during each monthly qualification period on their Capital Credit Union debit or credit card and (3) maintain a minimum average daily balance of $2,500 in the Classic Checking account.

Tier 2: The prospective dividend rate on your account is 0.05% if you fail to meet the qualifications and your daily balance is greater than $2,500 or if you meet the qualifications and you daily balance is greater than $25,000, with a prospective annual percentage yield ranging from 0.00% to 0.05% depending on meeting the qualifications and the balance in the account, for this dividend period.

BUSINESS CHECKING (S12, S15)
Tier 1: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $500, with a prospective annual percentage yield ranging from 0.00% to 0.05%* depending on the balance in the account, for this dividend period.

PREMIUM BUSINESS CHECKING (S13)
Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.