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Cape Federal Credit Union

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Cape Federal Credit Union Rates & Review June 2026

Q: Is a member application needed to join Cape Federal Credit Union?

Yes, to access services at Cape Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cape Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 5, 2026

You can compare Cape Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.88%, 6-month share certificate rates at 2.12% and 3-month share certificate rates at 3.85%. Savings rates are at 0.20% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 6.05%. All these rates can be compared to Cape Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Cape Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.77%. Rates were last updated on 06/05/2026.

Cape Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cape Federal Credit Union? Share your experience about Cape Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cape Federal Credit Union.

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.77%

Good Higher than avg

Cape Federal Credit Union
Main Office

323 E Pike St
Clarksburg, WV 26301

https://www.capecu.com

Cape Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
MasterCard® Credit Card	-	10.90%
Details As Low As; Regular APR: 10.90% Last Updated 05/23/2026 Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 19.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Cape Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Cape Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cape Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cape Federal Credit Union

Website https://www.capecu.com

Address 323 E Pike St, Clarksburg, WV 26301

Phone 304-623-4794

Fax 304-622-3407

President John Pokrzywa

CEO Teresa Henline

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.6 / 5.0 ★

Overall Health & Safety Grade

B (86/100)

Texas Ratio

19.77%

Return on Assets (ROA)

-0.0343%

Return on Equity (ROE)

-0.4219%

Non-Performing Loans Ratio (NPL)

4.91%

Total Assets

15,502,319

Total Amount of Shares and Deposits

14,223,660

Total Shares and Deposits < 1 Year

14,200,160

Total Shares and Deposits 1 3 Years

23,500

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

383,994

Total Uninsured Shares and Deposits > $250K (F+J)

383,994

Total Insured Shares and Deposits > $250K (item 17 less item K)

13,839,666

Total Interest Expense (Sum of items 6 8)

32,378

Share Certificates

103

Number of Accounts for Share Drafts

534

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,382

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

582,822

Total Liabilities

14,245,103

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Cape Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Frequently Asked Questions About Cape Federal Credit Union

How many branches does Cape Federal Credit Union operate?

Cape Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Cape Federal Credit Union?

Yes, to access services at Cape Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Cape Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cape Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cape Federal Credit Union offer online and mobile banking?

Most modern institutions like Cape Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capecu.com.