What are the current interest rates at Cape Regional Credit Union?

Current rates for Cape Regional Credit Union include: 12-Month CD: 3.50%

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Cape Regional Credit Union

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Cape Regional Credit Union Rates & Review March 2026

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

Yes, to access services at Cape Regional 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 Regional 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: March 25, 2026

Cape Regional Credit Union's 1 YR Term CDs rates are at 3.50%, CDs 1 Year Term rates are at 3.50%. Cape Regional Credit Union's Personal Loan Rates are at 5.56%. MonitorBankRates evaluates the financial stability of Cape Regional Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates were last updated on 03/25/2026.

Cape Regional 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 Regional Credit Union? Share your experience about Cape Regional Credit Union by leaving a review below, or read customer reviews before you decide to use Cape Regional Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.03%

Excellent Lower than avg

Cape Regional Credit Union
Cape regional CU

2427 Cape Centre DR
Cape Girardeau, MO 63703 5771

https://www.caperegionalcu.com

Cape Regional Credit Union CD Rates

Product	Rate	APY
1 YR Term Certificates	-	3.50%
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Certificates 1 Year Term	-	3.50%
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

Cape Regional Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.56%
Details As Low As Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

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 Regional 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 Regional 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 Regional Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Cape Regional Credit Union

Website https://www.caperegionalcu.com

Address 2427 Cape Centre DR, Cape Girardeau, MO 63703 5771

Phone 573-334-7686

Fax 573-334-7919

President John Creutz

CEO James Cauble

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.03%

Return on Assets (ROA)

-0.1593%

Return on Equity (ROE)

-2.1203%

Non-Performing Loans Ratio (NPL)

0.11%

Total Assets

17,874,465

Total Amount of Shares and Deposits

16,476,280

Total Shares and Deposits < 1 Year

16,333,612

Total Shares and Deposits 1 3 Years

142,668

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

16,476,280

Total Interest Expense (Sum of items 6 8)

3,809

Share Certificates

Number of Accounts for Share Drafts

1,149

Number of Accounts for Regular Shares

2,809

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

2,390

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

812,707

Total Liabilities

16,562,063

Source: NCUA — Last Updated 03/31/2024

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Frequently Asked Questions About Cape Regional Credit Union

Is Cape Regional Credit Union a safe place to deposit money?

Yes, Cape Regional Credit Union is considered a safe financial institution. With a Texas Ratio of 1.0262984320399%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Cape Regional Credit Union operate?

Cape Regional 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 Regional Credit Union?

Yes, to access services at Cape Regional 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 Regional 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 Regional Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Cape Regional Credit Union offer online and mobile banking?

Most modern institutions like Cape Regional 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.caperegionalcu.com.