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Capital Credit Union Rates & Review November 2026

Q: What are the current interest rates at Capital Credit Union?

Current rates for Capital Credit Union include: 12-Month CD: 2.50%, 18-Month CD: 3.25%, 24-Month CD: 3.50%, 60-Month CD: 3.95%, Savings: 5.00%, MMA: 3.90%

Q: What CD terms does Capital Credit Union offer?

Capital Credit Union CD rates are 2.50% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Capital Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Capital Credit Union's 60-Month CD rates are at 3.95%, 48-Month CD rates are at 3.85%, 36-Month CD rates are at 3.75%, 24-Month CD rates are at 3.50%, 18-Month CD rates are at 3.25%. Capital Credit Union's savings rates are at 5.00%. Capital Credit Union's money market rates are at 3.90%. Capital Credit Union's checking rates are as high as 4.25%. Capital Credit Union's Adjustable-Rate Mortgage (ARM) Loans - 5 Year ARM rates are at 5.50%, Adjustable-Rate Mortgage (ARM) Loans - 7 Year ARM rates are at 6.00%, Federal VA Loans - 15 Year rates are at 6.25%, Adjustable-Rate Mortgage (ARM) Loans - 3 Year ARM rates are at 5.38%, Fixed Rate Mortgage Loan - 15 Year rates are at 6.38%. Capital Credit Union's Personal Loan Rates are as low as 8.49%. Capital Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Capital Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.78%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.78%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Capital Credit Union
Morris Avenue

825 Morris Ave
Green Bay, WI 54304

https://www.capitalcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Capital Credit Union CD Rates

Product	Rate	APY	Term
60-Month Certificate	3.89%	3.95%	60-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
48-Month Certificate	3.80%	3.85%	48-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
36-Month Certificate	3.70%	3.75%	36-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
24-Month Certificate	3.455%	3.50%	24-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
18-Month Certificate	3.21%	3.25%	18-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
12-Month Certificate	2.97%	3.00%	12-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50% Sep 18, 20263.00%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
12 Month Dream Builder Flex Certificate	-	2.50%	12-Month
Min Deposit $1 Details Compounds: Quarterly; Up to two penalty-free withdrawals; Rates effective 1/20/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
6-Month Certificate	2.48%	2.50%	6-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Dream Builder Flex Certificate - 12-Month	2.48%	2.50%	12-Month
Min Deposit $1 Min Balance $1 Details Compounds quarterly; Rates effective 9/24/2026; Rates subject to change without notice Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
3-Month Certificate	1.99%	2.00%	3-Month
Min Deposit $1,000 Details Compounds Quarterly; Rates effective 9/24/2026; Fees may reduce earnings; Certificates may have penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Savings Rates

Product	Rate	APY
SavingsPlus	4.89%	5.00%
Min Deposit $1 Min Balance $0 Details Balance: $0-$500; Compounds monthly; Maximum of one SavingsPlus account per membership share Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
SavingsPlus	2.47%	2.50%
Min Deposit $1 Min Balance $500 Details Balance: $500.01-$2,000; Compounds monthly; Maximum of one SavingsPlus account per membership share Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Health Savings Account (HSA)	0.75%	0.75%
Min Deposit $500 Min Balance $500 Details Compounds monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
IRA - Savings Rate	0.15%	0.15%
Min Deposit $25 Min Balance $25 Details Minimum to open & earn dividends: $25.00; Compounds monthly; Term column shows 'Open Deposit'; Rates effective 9/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Membership Savings	0.15%	0.15%
Min Deposit $25 Min Balance $25 Details Compounds monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Regular Savings	0.15%	0.15%
Min Deposit $25 Min Balance $25 Details Compounds monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
SavingsPlus	0.01%	0.01%
Min Deposit $1 Min Balance $2,000 Details Balance: $2,000.01 and over; Compounds monthly; Maximum of one SavingsPlus account per membership share Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Business Savings Rates

Product	Rate	APY
Business Membership Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Compounds monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Regular Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Compounds monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Money Market Rates

Product	Rate	APY
Money Market Platinum Select	3.83%	3.90%
Min Balance $1,000,000 Details Balance: $1,000,000+; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum Select	3.74%	3.80%
Min Balance $750,000 Details Balance: $750,000-$999,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum Select	3.59%	3.65%
Min Balance $500,000 Details Balance: $500,000-$749,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum Select	3.35%	3.40%
Min Balance $250,000 Details Balance: $250,000-$499,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum Select	2.86%	2.90%
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000.00 and over; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000-$249,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 2.90% → 2.00% ▼ 0.90 pts · high 2.90% / low 2.00% Oct 26, 20262.00%▼ from 2.90% Oct 13, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum	1.64%	1.65%
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 1.50% → 1.65% ▲ 0.15 pts · high 1.65% / low 1.50% Oct 26, 20261.65%▲ from 1.50% Oct 13, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum Select	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum	1.34%	1.35%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum	1.00%	1.00%
Min Balance $15,000 Details Balance: $15,000-$24,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum	0.95%	0.95%
Min Balance $5,000 Details Balance: $5,000-$14,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum	0.55%	0.55%
Min Balance $2,500 Details Balance: $2,500-$4,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Money Market Platinum Select	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500-$49,999.99; Compounds Monthly Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000+; Compound: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000-$249,000.00; Compound: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	1.64%	1.65%
Min Balance $50,000 Details Balance: $50,000-$99,999.99; Compound: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	1.34%	1.35%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Compound: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	0.95%	0.95%
Min Balance $15,000 Details Balance: $15,000-$24,999.9; Compound: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	0.85%	0.85%
Min Balance $5,000 Details Balance: $5,000-$14,999.99; Compound: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Money Market	0.55%	0.55%
Min Balance $2,500 Details Balance: $2,500-$4,999.99; Compound: Monthly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Checking Rates

Product	Rate	APY	View More
ChaChingTM Checking	4.17%	4.25%
Min Balance $0 Details Qualifications Required; Balance: $0.01-$15,000.00; Compounds monthly; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Business Checking Rates

Product	Rate	APY
Business Premium Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 and over; Compounds monthly; Subject to fees based on balance, fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Premium Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Compounds monthly; Subject to fees based on balance, fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Elite Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 and over; Compounds monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Business Premium Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000-$24,999.99; Compounds monthly; Subject to fees based on balance, fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable-Rate Mortgage (ARM) Loans - 5 Year ARM	5.50%	0.00	6.33%	5 year
Details As Low As; Index UST1YW plus margin 2.75%; max annual adjustment 2%; max over life of loan 5%; Rates effective 10/23/2026; minimum credit score 740; 5% down with PMI Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.33% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Adjustable-Rate Mortgage (ARM) Loans - 7 Year ARM	6.00%	0.000	6.436%	7 year
Details As Low As; Index UST1YW plus margin 2.75%; max annual adjustment 2%; max over life of loan 5%; Rates effective 10/23/2026; minimum credit score 740; 5% down with PMI Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.44% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Federal VA Loans - 15 Year	6.25%	0.000	6.446%	15 year
Details As Low As; Rates effective 10/23/2026; Maximum loan amount $832,750.00; assumes purchase price $175,000 and minimum credit score 740 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Adjustable-Rate Mortgage (ARM) Loans - 3 Year ARM	5.375%	0.00	6.471%	3 year
Details As Low As; Index UST1YW plus margin 2.75%; max annual adjustment 2%; max over life of loan 5%; Rates effective 10/23/2026; minimum credit score 740; 5% down with PMI Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.47% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Fixed Rate Mortgage Loan - 15 Year	6.375%	0.000	6.491%	15 year
Details As Low As; Rates effective 10/29/2026; Minimum credit score 740 assumed Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 6.82% → 6.49% ▼ 0.33 pts · high 6.82% / low 6.49% Oct 29, 20266.49%▼ from 6.82% Oct 26, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Adjustable-Rate Mortgage (ARM) Loans - 10 Year ARM	6.375%	0.000	6.574%	10 year
Details As Low As; Index UST1YW plus margin 2.75%; max annual adjustment 2%; max over life of loan 5%; Rates effective 10/23/2026; minimum credit score 740; 5% down with PMI Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 6.57% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Federal VA Loans - 30 Year	6.75%	0.000	6.746%	30 year
Details As Low As; Rates effective 10/23/2026; Maximum loan amount $832,750.00; assumes purchase price $175,000 and minimum credit score 740 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Fixed Rate Mortgage Loan - 20 Year	7.00%	0.000	7.098%	20 year
Details As Low As; Rates effective 10/29/2026; Minimum credit score 740 assumed Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 7.16% → 7.10% ▼ 0.06 pts · high 7.16% / low 7.10% Oct 29, 20267.10%▼ from 7.16% Oct 26, 20267.16%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Fixed Rate Mortgage Loan - 30 Year	7.00%	0.000	7.122%	30 year
Details As Low As; Rates effective 10/29/2026; Minimum credit score 740 assumed Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 7.25% → 7.12% ▼ 0.13 pts · high 7.25% / low 7.12% Oct 29, 20267.12%▼ from 7.25% Oct 26, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Year Fixed	6.125%	0.000	6.225%	5 year
Details As Low As; Second mortgage; assumes $25,000 loan on $250,000 property value and minimum credit score of 740; Rates effective 10/23/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.23% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity Loan - 7 Year Fixed	6.50%	0.000	6.574%	7 year
Details As Low As; Second mortgage; assumes $25,000 loan on $250,000 property value and minimum credit score of 740; Rates effective 10/23/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity Loan - 5 Year ARM	6.125%	0.000	6.588%	5 year
Details As Low As; Rate shown as "+ 6.125%" (index plus margin, absolute rate not printed); Displayed rates assume minimum credit score of 740; Rates effective 10/23/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity Loan - 3 Year ARM	6.125%	0.000	6.739%	3 year
Details As Low As; Rate shown as "+ 6.125%" (index plus margin, absolute rate not printed); Displayed rates assume minimum credit score of 740; Rates effective 10/23/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity Loan - 10 Year Fixed	6.75%	0.000	6.804%	10 year
Details As Low As; Second mortgage; assumes $25,000 loan on $250,000 property value and minimum credit score of 740; Rates effective 10/23/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details As Low As; Variable rate tied to Wall Street Journal Prime Rate, floor of 3%, maximum rate of 11.50%; APR based on owner occupied status, credit score and LTV of 80% or less; Minimum draw amount $1; Rates effective 10/23/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto / Motorcycle Loan	-	-	4.24%	36-Month
Details Rates effective 9/1/2026; Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Auto / Motorcycle Loan	-	-	4.24%	48-Month
Details Rates effective 9/1/2026; Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Auto / Motorcycle Loan	-	-	4.24%	60-Month
Details Rates effective 9/1/2026; Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Auto / Motorcycle Loan	-	-	4.24%	72-Month
Details Rates effective 9/1/2026; Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Loans with Collateral (Cars, Trucks, Boats, etc.)	-	-	4.24%	36-Month
Details Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Loans with Collateral (Cars, Trucks, Boats, etc.)	-	-	4.24%	48-Month
Details Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Loans with Collateral (Cars, Trucks, Boats, etc.)	-	-	4.24%	60-Month
Details Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Loans with Collateral (Cars, Trucks, Boats, etc.)	-	-	4.24%	72-Month
Details Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Auto / Motorcycle Loan	-	-	5.24%	84-Month
Details Rates effective 9/1/2026; Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Loans with Collateral (Cars, Trucks, Boats, etc.)	-	-	5.24%	84-Month
Details Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	8.49%
Details Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month; $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

Capital Credit Union Other Rates

Product	Rate	Points	APY/APR
Credit Builder Loan	-	-	5.00%
Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%
Kwik Cash Loan	-	-	18.00%
Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 18.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.78%

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.

Financial Health History

Capital Credit Union’s Texas Ratio fell from 6.63% in Q3 2023 to 5.78% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.8B	5.78%	5.0	A+
March 31, 2026	$2.8B	4.89%	5.0	A+
December 31, 2025	$2.8B	6.61%	5.0	A
September 30, 2025	$2.7B	7.02%	5.0	A
June 30, 2025	$2.7B	6.66%	5.0	A
March 31, 2025	$2.7B	6.46%	5.0	A
December 31, 2024	$2.6B	7.42%	5.0	A
September 30, 2024	$2.5B	7.98%	5.0	A
June 30, 2024	$2.5B	7.10%	5.0	A
March 31, 2024	$2.5B	6.23%	5.0	A
December 31, 2023	$2.4B	7.75%	5.0	A
September 30, 2023	$2.4B	6.63%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Capital 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Capital Credit Union

Website https://www.capitalcu.com

Address 825 Morris Ave, Green Bay, WI 54304

Phone 920-494-2828

Fax 920-494-5720

President Melanie Haen

CEO Laurie Butz

Full-Time Employees 465

Part-Time Employees 34

Branch Locations 26

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.78%

Return on Assets (ROA)

0.5068%

Return on Equity (ROE)

4.1056%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

2,788,151,425

Total Amount of Shares and Deposits

2,372,500,360

Total Shares and Deposits < 1 Year

2,142,101,736

Total Shares and Deposits 1 3 Years

194,874,875

Total Shares and Deposits > 3 Years

35,523,749

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

252,892,498

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

262,692,498

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

2,109,807,862

Total Interest Expense (Sum of items 6 8)

33,433,954

Share Certificates

19,219

Number of Accounts for Share Drafts

71,060

IRA KEOGH Accounts

4,081

Number of Accounts for Regular Shares

156,047

All other shares

3,789

Non Member Deposits

107

Money Market Shares

8,752

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

14,129,925

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

127,618,178

Total Liabilities

2,444,629,091

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Capital Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Capital Credit Union

Does Capital Credit Union offer CDs?

Yes. Capital Credit Union current CD rates include its 60-Month CD at 3.95% APY, its 48-Month CD at 3.85% APY and its 36-Month CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Capital Credit Union NCUA insured?

Yes. Capital Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Capital Credit Union?

The highest Capital Credit Union CD rate is its 60-Month CD at 3.95% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Capital Credit Union offer?

Capital Credit Union CD rates are 2.50% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.85% APY for a 4 year CD and 3.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Capital Credit Union for its full lineup.

What is the highest savings rate at Capital Credit Union?

The highest Capital Credit Union savings rate is its SavingsPlus at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Capital Credit Union?

The highest Capital Credit Union money market rate is its Money Market Platinum Select at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Capital Credit Union?

The highest Capital Credit Union checking rate is its ChaChingTM Checking at 4.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Capital Credit Union?

The lowest Capital Credit Union 30 year fixed mortgage rate is its Fixed Rate Mortgage Loan - 30 Year at 7.00%, verified by MonitorBankRates as of October 29, 2026. Capital Credit Union mortgage rates are 7.00% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.375% for a 10 year mortgage, 6.00% for a 7 year mortgage, 5.50% for a 5 year mortgage and 5.375% for a 3 year mortgage.

What is the lowest auto loan rate at Capital Credit Union?

The lowest Capital Credit Union auto loan rate is its Auto / Motorcycle Loan at 4.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Capital Credit Union?

The lowest Capital Credit Union personal loan rate is its Signature Loan at 8.49% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Capital Credit Union operate?

Capital 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 Credit Union?

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

Does Capital Credit Union offer online and mobile banking?

Most modern institutions like Capital 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.capitalcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Capital Credit Union rates compare?

Capital Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. Capital Credit Union's top rates are its 60-Month CD at 3.95% APY, its SavingsPlus at 5.00% APY, its Money Market Platinum Select at 3.90% APY, its ChaChingTM Checking at 4.25% APY, its Adjustable-Rate Mortgage (ARM) Loans - 3 Year ARM at 5.375% and its Signature Loan at 8.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Capital Credit Union Rates

12-Month CD2.50%
18-Month CD3.25%
24-Month CD3.50%
60-Month CD3.95%
Savings5.00%
MMA3.90%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Capital Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Capital Credit Union Texas Ratio

Capital Credit Union Health Trend

Capital Credit Union CD Rates

Capital Credit Union Savings Rates

Capital Credit Union Business Savings Rates

Capital Credit Union Money Market Rates

Capital Credit Union Business Money Market Rates

Capital Credit Union Checking Rates

Capital Credit Union Business Checking Rates

Capital Credit Union Mortgage Rates

Capital Credit Union Home Equity & HELOC

Capital Credit Union Auto Loan Rates

Capital Credit Union Personal Loan Rates

Capital Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Capital Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Capital Credit Union

Does Capital Credit Union offer CDs?

Are CDs from Capital Credit Union NCUA insured?

What is the highest CD rate at Capital Credit Union?

What CD terms does Capital Credit Union offer?

What is the highest savings rate at Capital Credit Union?

What is the highest money market rate at Capital Credit Union?

What is the highest checking rate at Capital Credit Union?

What is the lowest 30 year fixed mortgage rate at Capital Credit Union?

What is the lowest auto loan rate at Capital Credit Union?

What is the lowest personal loan rate at Capital Credit Union?

How many branches does Capital Credit Union operate?

Is a member application needed to join Capital Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Capital Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Capital Credit Union rates compare?

Current Capital Credit Union Rates

Compare to Other Credit Unions