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

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

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Capitol Bank Madison, WI

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Capitol Bank Madison, WI Rates & Review October 2026

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: October 7, 2026

Capitol Bank Madison, WI's top rates as of October 7, 2026 are 3.75% APY on its 25-Month Certificate Special, and 6.25% on its Residential 5/1 Portfolio T-Bill ARM mortgage, according to rates verified by MonitorBankRates. Other Capitol Bank Madison, WI CD rates include 15-Month Certificate Special at 3.50%, and 7-Month Certificate Special at 3.25%. Other Capitol Bank Madison, WI mortgage rates include 15 Year Fixed Rate at 6.875%, Residential 7/1 Portfolio T-Bill ARM at 6.75%, and 30 Year Fixed Rate at 7.50%. 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 10/07/2026.

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 Q2 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

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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 Certificate Special	-	3.75%	25 Month
Min Balance $2,500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
15 Month Certificate Special	-	3.50%	15 Month
Min Balance $2,500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
7 Month Certificate Special	-	3.25%	7 Month
Min Balance $2,500 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 6 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	6.875%	-	6.941%	15 Year
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 780. At a 6.875% interest rate, the APR for this loan type is 6.941%. The payment schedule would be: 179 payments of $2,675.56 at an interest rate of 6.875%; 1 payment of $2,676.07 at an interest rate of 6.875%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
Residential 5/1 Portfolio T-Bill ARM	6.25%	-	7.031%	5 months
Details Term: Residential 5/1 Portfolio T-Bill ARM; The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 780. At a 6.250% initial interest rate, the APR for this loan type is 7.031%, subject to increase. Based on current market conditions, the payment schedule would be: 60 payments of $1,847.15 at an interest rate of 6.250%; 299 payments of $2,069.26 at an interest rate of 7.500%; 1 payment of $2,069.99 at an interest rate of 7.500%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.03% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
Residential 7/1 Portfolio T-Bill ARM	6.75%	-	7.143%	7 months
Details Term: Residential 7/1 Portfolio T-Bill ARM; The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 0 days and the assumed credit score is 780. At a 6.750% initial interest rate, the APR for this loan type is 7.143%, subject to increase. Based on current market conditions, the payment schedule would be: 84 payments of $1,945.79 at an interest rate of 6.750%; 275 payments of $2,073.74 at an interest rate of 7.500%; 1 payment of $2,074.12 at an interest rate of 7.500%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.12%
30 Year Fixed Rate	7.50%	-	7.542%	30 Year
Details The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $500,000. The property is located in WI and is within Dane county. The property is an existing single family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 780. At a 7.500% interest rate, the APR for this loan type is 7.542%. The payment schedule would be: 359 payments of $2,097.64 at an interest rate of 7.500%; 1 payment of $2,098.91 at an interest rate of 7.500%. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.54% APR 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.
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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

Institution Name Capitol Bank Madison, WI

Bank Holding Company CAPITOL BANKSHARES INC

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

Website https://www.capitolbank.com

FDIC Certificate # 34074

Established 19951009

FDIC Insurance Date 19951009

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.12%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1189%

Return on Equity (ROE) 9.7300%

Non-Performing Loans (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 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Capitol Bank Madison, WI earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Capitol Bank Madison, WI

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.