What are the current interest rates at Capitol Bank Madison, WI?

Current rates for Capitol Bank Madison, WI include: 24-Month CD: 3.75%

☰

Home›
Banks›
Capitol Bank Madison, WI

iAdvertiser Disclosure

Capitol Bank Madison, WI Rates & Review November 2026

Q: What CD terms does Capitol Bank Madison, WI offer?

Capitol Bank Madison, WI CD rates are 3.25% APY for a 7 month CD, 3.50% APY for a 15 month CD, 3.75% APY for a 2 year CD and 3.75% APY for a 25 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Capitol Bank Madison, WI for its full lineup.

Q: How many branches does Capitol Bank Madison, WI operate?

Capitol Bank Madison, WI currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capitol Bank Madison, WI 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 and Verified: November 5, 2026

Capitol Bank Madison, WI's 25-Month CD Special rates are at 3.75%, 15-Month CD Special rates are at 3.50%, 7-Month CD Special rates are at 3.25%. Capitol Bank Madison, WI's 15 Year Fixed Rate rates are at 6.375%, Residential 5/1 Portfolio T-Bill ARM rates are at 6.25%, 30 Year Fixed Rate rates are at 7.00%, Residential 7/1 Portfolio T-Bill ARM rates are at 6.75%. Capitol Bank Madison, WI's top CD rate of 3.75% APY on a 25 month CD is 28% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Capitol Bank Madison, WI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.12%. Rates last updated and verified on 11/05/2026.

Capitol Bank Madison, WI 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 Capitol Bank Madison, WI? Share your experience about Capitol Bank Madison, WI by leaving a review below, or read customer reviews before you decide to use Capitol Bank Madison, WI.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.12%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Capitol Bank

710 N High Point Rd
Madison, WI 53717

https://www.capitolbank.com

Customer Reviews

Be the first to review

Write a Review

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

Capitol Bank Madison, WI CD Rates

Product	Rate	APY	Term
25-Month CD Special	-	3.75%	25 Month
Min Balance $2,500 Details APY for new money; subject to $2,500 minimum opening balance; interest compounded and credited quarterly Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
15-Month CD Special	-	3.50%	15 Month
Min Balance $2,500 Details APY for new money; subject to $2,500 minimum opening balance; interest compounded and credited quarterly Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
7-Month CD Special	-	3.25%	7 Month
Min Balance $2,500 Details APY for new money; subject to $2,500 minimum opening balance; interest compounded and credited quarterly Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%

Capitol Bank Madison, WI Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	6.375%	-	6.44%	15 Year
Details Purchase loan; $300,000 loan amount; $500,000 estimated property value; WI, Dane county; existing single family primary residence; 45-day rate lock; 780 assumed credit score Last Updated 11/05/2026 Rate History 3 changes since Oct 7, 2026 · 6.94% → 6.44% ▼ 0.50 pts · high 6.94% / low 6.44% Nov 5, 20266.44%▼ from 6.69% Oct 31, 20266.69%▼ from 6.82% Oct 20, 20266.82%▼ from 6.94% Oct 7, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
Residential 5/1 Portfolio T-Bill ARM	6.25%	-	7.031%
Details Initial interest rate, APR subject to increase; rate later adjusts to 7.500%; purchase loan, $300,000 loan amount, $500,000 property value, WI (Dane county), primary residence, 0-day rate lock, 780 assumed credit score Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 6.71% → 7.03% ▲ 0.32 pts · high 7.03% / low 6.71% Oct 14, 20267.03%▲ from 6.93% Oct 1, 20266.93%▲ from 6.86% Sep 24, 20266.86%▲ from 6.79% Sep 19, 20266.79%▲ from 6.71% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
30 Year Fixed Rate	7.00%	-	7.041%	30 Year
Details Purchase loan; $300,000 loan amount; $500,000 estimated property value; WI, Dane county; existing single family primary residence; 45-day rate lock; 780 assumed credit score Last Updated 11/05/2026 Rate History 3 changes since Oct 7, 2026 · 7.54% → 7.04% ▼ 0.50 pts · high 7.54% / low 7.04% Nov 5, 20267.04%▼ from 7.17% Oct 26, 20267.17%▼ from 7.29% Oct 20, 20267.29%▼ from 7.54% Oct 7, 20267.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
Residential 7/1 Portfolio T-Bill ARM	6.75%	-	7.143%
Details Initial interest rate, APR subject to increase; rate later adjusts to 7.500%; purchase loan, $300,000 loan amount, $500,000 property value, WI (Dane county), primary residence, 0-day rate lock, 780 assumed credit score Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 6.84% → 7.14% ▲ 0.31 pts · high 7.14% / low 6.84% Oct 14, 20267.14%▲ from 7.01% Oct 1, 20267.01%▲ from 6.96% Sep 24, 20266.96%▲ from 6.90% Sep 19, 20266.90%▲ from 6.84% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%

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

Capitol Bank Madison, WI’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.12% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$565M	0.12%	5.0	A+
March 31, 2026	$589M	0.12%	5.0	A+
December 31, 2025	$634M	0.13%	5.0	A+
September 30, 2025	$615M	0.73%	5.0	A+
June 30, 2025	$602M	1.25%	5.0	A+
March 31, 2025	$640M	1.23%	5.0	A+
December 31, 2024	$629M	1.27%	5.0	A+
September 30, 2024	$610M	2.13%	5.0	A+
June 30, 2024	$594M	3.30%	5.0	A+
March 31, 2024	$587M	3.32%	5.0	A+
December 31, 2023	$590M	3.35%	5.0	A+
September 30, 2023	$561M	0.00%	5.0	A+

Source: FDIC 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 Capitol Bank Madison, WI is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Capitol Bank Madison, WI 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 Capitol Bank Madison, WI's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Capitol Bank Madison, WI

Website https://www.capitolbank.com

Address 710 N High Point Rd, Madison, WI 53717 · Dane

Bank Holding Company CAPITOL BANKSHARES INC

FDIC Certificate # 34074

Regulator FDIC

Established October 9, 1995

FDIC Insurance Date October 9, 1995

Domestic Offices 3

Total Branches 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.12%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1189%

Return on Equity (ROE)

9.7300%

Non-Performing Loans Ratio (NPL)

0.01%

Total Assets

$565,303,000

Total Deposits

$472,995,000

Equity Capital

$69,441,000

Net Income

$3,335,000

Headquarters

Madison

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Capitol Bank Madison, WI 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/capitol-bank-rates-review-34074">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Capitol Bank Madison, WI 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Capitol Bank Madison, WI

Frequently Asked Questions About Capitol Bank Madison, WI

Does Capitol Bank Madison, WI offer CDs?

Yes. Capitol Bank Madison, WI current CD rates include its 25-Month CD Special at 3.75% APY, its 15-Month CD Special at 3.50% APY and its 7-Month CD Special at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Capitol Bank Madison, WI FDIC insured?

Yes. Capitol Bank Madison, WI is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Capitol Bank Madison, WI?

The highest Capitol Bank Madison, WI CD rate is its 25-Month Certificate Special at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Capitol Bank Madison, WI offer?

Capitol Bank Madison, WI CD rates are 3.25% APY for a 7 month CD, 3.50% APY for a 15 month CD, 3.75% APY for a 2 year CD and 3.75% APY for a 25 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Capitol Bank Madison, WI for its full lineup.

What is the lowest 30 year fixed mortgage rate at Capitol Bank Madison, WI?

The lowest Capitol Bank Madison, WI 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.00%, verified by MonitorBankRates as of November 5, 2026. Capitol Bank Madison, WI mortgage rates are 7.00% for a 30 year mortgage and 6.375% for a 15 year mortgage.

How many branches does Capitol Bank Madison, WI operate?

Capitol Bank Madison, WI currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Capitol Bank Madison, WI 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, Capitol Bank Madison, WI provides members with tools to manage their accounts and build a solid financial history.

Does Capitol Bank Madison, WI offer online and mobile banking?

Most modern institutions like Capitol Bank Madison, WI 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.capitolbank.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. 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 or an existing account, 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 Capitol Bank Madison, WI rates compare?

Capitol Bank Madison, WI's top CD rate of 3.75% APY on a 25 month CD is 28% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Capitol Bank Madison, WI's top rates are its 25-Month Certificate Special at 3.75% APY and its Residential 5/1 Portfolio T-Bill ARM at 6.25%, verified by MonitorBankRates on November 5, 2026.

Current Capitol Bank Madison, WI Rates

24-Month CD3.75%

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

Compare to Other Banks

Maynard Savings Bank Regions Bank Tri-County Bank Edward Jones Trust Company Commercial Bank of Texas, N.A. MapleMark Bank Murray Bank Institution for Savings Freedom Bank, Inc. First Merchants Bank Denison State Bank Labette Bank Simmesport State Bank First United Bank & Trust Washita Valley Bank Kirkpatrick Bank The Apple Creek Banking Company Citizens State Bank, of Arlington CNB of Somerset Metropolitan Bank Republic Bank & Trust Company

Capitol Bank Madison, WI Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Capitol Bank Madison, WI Texas Ratio

Capitol Bank Madison, WI Health Trend

Capitol Bank Madison, WI CD Rates

Capitol Bank Madison, WI Mortgage Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Capitol Bank Madison, WI earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Capitol Bank Madison, WI

Does Capitol Bank Madison, WI offer CDs?

Are CDs from Capitol Bank Madison, WI FDIC insured?

What is the highest CD rate at Capitol Bank Madison, WI?

What CD terms does Capitol Bank Madison, WI offer?

What is the lowest 30 year fixed mortgage rate at Capitol Bank Madison, WI?

How many branches does Capitol Bank Madison, WI operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Capitol Bank Madison, WI 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 Capitol Bank Madison, WI rates compare?

Current Capitol Bank Madison, WI Rates

Compare to Other Banks