Rates

Rates accurate as of Feb. 21, 2023, 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.

 

 
*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. 
³18-Month Combo Combo Savings Account balance cannot exceed 18-Month Combo Combo CD balance. After 18 months, 18-Month Combo Combo Savings Account balance will automatically roll into a Regular Share Savings Account which earns 0.05% APY as of Feb. 13, 2023. Offer may end at any time and without notice.

Rates accurate as of March 24, 2023​, 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.

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.

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 0.200% with a prospective annual percentage yield of 0.20% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.500% 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 0.20% to 0.38% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.500% 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 0.38% to 0.44% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.550% 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 0.44% to 0.50% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 1.000% 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 0.50% to 0.80% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 1.000% 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 0.80% to 0.91% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 1.000% 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 0.91% to 0.96% depending on the balance in the account, for this dividend period.

Tier 8: The prospective dividend rate on your account is 1.000% 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 0.96% to 0.98% 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.