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 Capital Area Realtors Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
Capital Area Realtors Federal Credit Union's 12 month IRA CD of Deposit (CD) [New Money] rates are at 3.67%, 11 month IRA CD of Deposit (CD) [New Money] rates are at 3.55%, 12 month CD of Deposit (CD) rates are at 3.54%, 36 month IRA CD of Deposit (CD) [New Money] rates are at 3.28%, 24 month CD of Deposit (CD) rates are at 2.28%. Capital Area Realtors Federal Credit Union's savings rates are at 0.10%. Capital Area Realtors Federal Credit Union's money market rates are at 0.51%. MonitorBankRates evaluates the financial stability of Capital Area Realtors Federal Credit Union with a 4.4 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 22.37%. Rates were last updated on 04/05/2026. Capital Area Realtors 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 Capital Area Realtors Federal Credit Union? Share your experience about Capital Area Realtors Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Capital Area Realtors Federal Credit Union. Capital Area Realtors Federal Credit Union
Main Office 15201 Diamondback Dr
https://www.carfcu.org Rockville, MD 20850 3312 
Capital Area Realtors Federal Credit Union CD Rates
Capital Area Realtors Federal Credit Union Savings Rates
Capital Area Realtors Federal Credit Union Money Market Rates
Capital Area Realtors Federal Credit Union Checking Rates
Capital Area Realtors Federal Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Capital Area Realtors 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 Capital Area Realtors 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 Capital Area Realtors Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Capital Area Realtors Federal Credit Union
Website
https://www.carfcu.org
Address
15201 Diamondback Dr,
Rockville, MD 20850 3312
Phone
240-314-0734
Fax
877-471-0402
President
Balaram Owens
CEO
Raj Mahajan
Full-Time Employees
3
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.4 / 5.0 ★
Overall Health & Safety Grade
B- (83/100)
Texas Ratio
22.37%
Return on Assets (ROA)
0.4915%
Return on Equity (ROE)
5.6196%
Non-Performing Loans Ratio (NPL)
3.87%
Total Assets
26,232,202
Total Amount of Shares and Deposits
23,853,505
Total Shares and Deposits < 1 Year
23,853,503
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,485,695
Total Uninsured Shares and Deposits > $250K (F+J)
5,485,695
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,367,810
Total Interest Expense (Sum of items 6 8)
421,517
Share Certificates
139
Number of Accounts for Share Drafts
497
IRA KEOGH Accounts
10
Number of Accounts for Regular Shares
1,721
Non Member Deposits
5
Money Market Shares
57
Net Income (unless the amount is already included in Undivided Earnings)
128,137
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,744,106
Total Liabilities
23,937,690
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Capital Area Realtors Federal Credit UnionIs Capital Area Realtors Federal Credit Union a safe place to deposit money?Yes, Capital Area Realtors Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 22.365234960637%, the institution's financial health is rated as stable. 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 Capital Area Realtors Federal Credit Union operate?Capital Area Realtors 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 Capital Area Realtors Federal Credit Union?Yes, to access services at Capital Area Realtors 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, Capital Area Realtors 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, Capital Area Realtors Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Capital Area Realtors Federal Credit Union offer online and mobile banking?Most modern institutions like Capital Area Realtors 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.carfcu.org. Current Capital Area Realtors Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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