Rates

Loan Rates

Loan Rates


Effective April 9, 2018

Consumer loan interest rates are disclosed as ranges. Your final rate is based on your application and credit history.
LOAN DISCLOSURES
FEE SCHEDULE

Fixed Rate Loans

LoanAnnual Percentage Rate Range
New and Used Auto*2.49% to 19.49%
Boat, RV, Motorcycle, ATV, etc...*2.94% to 20.29%
Share Secured2.00%
CD Secured2.00% over CD Rate
Home Equity Line of Credit
INTEREST ONLY
(5- and 10- year term)
5.00% to 12.25%
Home Equity Line of Credit
(10-year term)
4.49% to 12.00%
Home Equity Line of Credit
(15-year term)
5.5% to 13.10%
Home Equity Loan
(5-year term)
4.50% to 11.75% (90% LTV)
3.29% to 10.54% (80% LTV)
Home Equity Loan
(10-year term)
4.75% to 12.00% (90% LTV)
4.25% to 11.50% (80% LTV)
Home Equity Loan
(15-year term)
4.99% to 12.50% (90% LTV)
4.75% to 12.00% (80% LTV)
New Manufactured Homes
(Additional Requirements)
5.25% to 8.50%
Used Manufactured Homes
(Additional Requirements)
5.75% to 8.75%
*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

LoanAnnual Percentage Rate Range
Home Equity Line of Credit
(10 or 15 year term)
5.25% to 8.75%
Unsecured - Signature Loan/Line10.00% to 19.25%
Unsecured - TLC (Transfer Line of Credit)
or PAL (Payday Alternative Loan)
10.00% to 19.25%
Visa without Rewards 10.49% - 19.49%
Visa with Rewards11.49% - 20.49%

Home Loans


For current rates, call our home loan department at 701.255.0042.

Deposit Rates

Deposit Rates


Effective March 1, 2018
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.
TRUTH-IN-SAVINGS DISCLOSURES
Explanation of Tiering Method
FEE SCHEDULE

Savings

Account TypeMinimumTierRateAPY*
Regular Shares
(Savings S1)
$25$0 - 1,999.00

0.05%
0.05%

$2,000 - 9,999.990.05%
0.05% - 0.05%
$10,000+0.05%0.05% - 0.05%
Special Shares (S2, S30, S32)NoneAll amounts0.05%0.05%
Combo CD $2,5001.29%1.30%
Home Sweet Home Club (S31)NoneAll amounts0.05%0.05%
CU Save (S50)None$0 - 499.99

0.05%


0.05%
$500 - 999.99
0.05%0.05% - 0.05%
$1,000 - 1,999.990.05%0.05% - 0.05%
$2,000+0.05%0.05% - 0.05%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None$0 - 2,499.990.05%0.05%
$2,500 - 9,999.990.05%0.05% - 0.05%
$10,000 - 19,999.990.05%0.05% - 0.05%
$20,000 - 49,999.990.10%0.05% - 0.08%
$50,000 - 249,999.990.10%0.08% - 0.10%
$250,000 - 499,999.990.10%0.10% - 0.10%
$500,000+0.10%0.10% - 0.10%
Transactional Account (S5)NoneAll amounts0.05%0.05%
Business Transactional Account (S16)NoneAll amounts0.05%0.05%

Money Market

Account TypeMinimumTierRateAPY*
Money Market (S3, S4, S40)$2,500 (must maintain minimum to earn dividends)$0 - 9,999.99
0.20%0.20%

$10,000 - 25,0000.20%0.20% - 0.20%
$25,001 - 49,999.990.25%0.11% - 0.18%
$50,000 - 99,999.990.35%0.18% - 0.27%
$100,000 - 249,999.990.35%0.27% - 0.32%
$250,000 - 499,999.990.50%0.32% - 0.33%
$500,000+0.50%0.33% - 0.34%

Checking

Account TypeMinimumTierRateAPY*
Simple Checking (S14)NoneAll amountsNoneNone
Edge (S10)NoneAll amountsNoneNone
Classic Checking (S7)$2,500 minimum deposit balance or total loans of $40,000 or more to avoid feeNo dividend will be paid below $2,500
$2,500 - 24,999.991.0%0.00% - 1.0%
$25,000+0.05%0.00% - 0.05%
Business Checking (S12, S15)$500No dividend will be paid on the minimum balance.
$500+0.05%0.00% - 0.05%
Share Draft (S11, S19)NoneAll amountsNoneNone
*Annual Percentage Yield

Certificate Rates

Certificate Rates


Effective May 4, 2018

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.
TRUTH-IN-SAVINGS DISCLOSURES
FEE SCHEDULE

Regular/IRA Certificates of Deposit

TermRate 1 Annual Percentage Yield 1
$1,000 Minimum Balance
6 Month0.10%0.10%
12 Month0.15%0.15%
24 Month0.20%0.20%
36 Month0.35%0.35%
$2,500 Minimum Balance
3 Month0.35%0.35%
6 Month0.50%0.50%
9 Month0.55%0.55%
12 Month0.60%0.60%
15 Month1.59%1.60%
18 Month0.90%0.90%
24 Month0.95%0.95%
25 Month1.74%1.75%
36 Month1.04%1.05%
36 Month Rising Rate 21.70% year one, 1.85% year two, 2.00% year three 1.87% (Composite Rate)
48 Month Bump-a-Rate 21.78%1.80%
54 Month Bump-a-Rate 21.98%2.00%
60 Month2.23%2.25%
61 Month Bump-a-Rate 22.08%2.10%

Youth/Young Adult Certificates of Deposit


Available for ages 0-24
TermRate 1Annual Percentage Yield 1
$500 Minimum Balance
6 Month0.10%0.10%
12 Month0.15%0.15%
24 Month0.20%0.20%

CU Save Certificate of Deposit


Available for members with a CU Save account
TermRate 1Annual Percentage Yield 1
$100 Minimum Balance
6 Month0.10%0.10%
1 A member with a good standing Classic Checking account can be granted a CD bump of .10% APY upon request at CD opening or renewal. 2 The CD bump of .10% APY is not available on any special CD rate offer.