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Capitol Credit Union

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Capitol Credit Union Rates & Review November 2026

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

Current rates for Capitol Credit Union include: 12-Month CD: 3.95%, 18-Month CD: 3.95%, 24-Month CD: 3.90%, 60-Month CD: 3.65%, Savings: 2.00%, MMA: 2.00%

Q: What CD terms does Capitol Credit Union offer?

Capitol Credit Union CD rates are 3.85% APY for a 6 month CD, 3.95% APY for a 12 month CD, 3.95% APY for an 18 month CD, 3.90% APY for a 2 year CD, 3.80% APY for a 3 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Capitol Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Capitol Credit Union's 12 Month CD rates are at 3.95%, 18 Month CD rates are at 3.95%, 24 Month CD rates are at 3.90%, 6 Month CD rates are at 3.85%, 36 Month CD rates are at 3.80%. Capitol Credit Union's savings rates are at 2.00%. Capitol Credit Union's money market rates are at 2.00%. Capitol Credit Union's checking rates are as high as 6.00%. Capitol Credit Union's Personal Loan Rates are as low as 10.99%. Capitol Credit Union's Credit Card Rates are at 10.99%. Capitol Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Capitol Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.21%. Rates last updated and verified on 10/30/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.21%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Capitol Credit Union
North Office

11920 Alterra Pkwy
Austin, TX 78758

https://www.ccutx.org

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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.

Capitol Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	3.95%	12 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 30, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
12 Month IRA Certificate	3.95%	3.95%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 26, 20263.95%▲ from 3.75% Oct 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
12 Month IRA Certificate	-	3.95%	12 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 26, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
18 Month Certificate	-	3.95%	18 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 30, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
18 Month IRA Certificate	3.95%	3.95%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 26, 20263.95%▲ from 3.75% Oct 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
18 Month IRA Certificate	-	3.95%	18 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75% Oct 26, 20263.95%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
24 Month Certificate	-	3.90%	24 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70% Oct 30, 20263.90%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
24 Month IRA Certificate	3.90%	3.90%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70% Oct 26, 20263.90%▲ from 3.70% Oct 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
24 Month IRA Certificate	-	3.90%	24 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70% Oct 26, 20263.90%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
6 Month Certificate	-	3.85%	6 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 30, 20263.85%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
6 Month IRA Certificate	3.85%	3.85%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 26, 20263.85%▲ from 3.65% Oct 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
6 Month IRA Certificate	-	3.85%	6 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 26, 20263.85%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
36 Month Certificate	-	3.80%	36 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 30, 20263.80%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
36 Month IRA Certificate	3.80%	3.80%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 26, 20263.80%▲ from 3.60% Oct 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
36 Month IRA Certificate	-	3.80%	36 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 26, 20263.80%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
48 Month Certificate	-	3.70%	48 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55% Oct 30, 20263.70%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
48 Month IRA Certificate	3.70%	3.70%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55% Oct 26, 20263.70%▲ from 3.55% Oct 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
48 Month IRA Certificate	-	3.70%	48 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55% Oct 26, 20263.70%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
60 Month Certificate	-	3.65%	60 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 30, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
60 Month IRA Certificate	3.65%	3.65%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 26, 20263.65%▲ from 3.50% Oct 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
60 Month IRA Certificate	-	3.65%	60 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 26, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
3 Month Certificate	-	3.00%	3 months
Min Deposit $1,000 Details Share Certificates: $1,000.00 or Greater Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
3 Month IRA Certificate	3.00%	3.00%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 or Greater; IRA Share Certificate; Membership required Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
3 Month IRA Certificate	-	3.00%	3 Month
Min Deposit $1,000 Details IRA Share Certificates: $1,000.00 or Greater; Membership Required; Early withdrawal penalty applies Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Savings Rates

Product	Rate	APY
IRA Savings Account	-	0.75%
No additional details. Last Updated 10/30/2026 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: 1.21%
Holiday Club Account	-	0.10%
No additional details. Last Updated 10/30/2026 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: 1.21%
Savings Accounts	-	0.01%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	-	2.00%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Savings	-	1.25%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Savings	-	1.15%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Savings	-	1.05%
Min Balance $2,500 Details Balance: $2,500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Savings	-	1.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Savings	-	0.05%
Min Balance $0 Details Balance: 0 - $2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Money Market Rates

Product	Rate	APY
Plus Money Market	-	2.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Plus Money Market	-	1.25%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Plus Money Market	-	1.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Plus Money Market	-	1.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Plus Money Market	-	1.05%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Plus Money Market	-	0.05%
Min Balance $0 Details Balance: 0 - $2,499.99 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 1.05% → 0.05% ▼ 1.00 pts · high 1.05% / low 0.05% Oct 14, 20260.05%▼ from 1.05% Sep 18, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	6.00%
Min Deposit $25 Details Qualifications Required; Qualifying balance up to $15,000.00; Refunds on ATM withdrawal fees up to $15.00 monthly; 0.05% APY if qualifications are not met Last Updated 10/30/2026 Rate History 2 changes since Sep 14, 2026 · 6.00% → 6.00% ▼ 0.00 pts · high 6.00% / low 0.05% Oct 14, 20266.00%▲ from 0.05% Sep 27, 20260.05%▼ from 6.00% Sep 14, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Kasasa Cash Checking	5.84%	6.00%
Min Balance $0 Details Balance: $0.00 - $15,000.00; Qualifying balance up to $15,000.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Business Checking Rates

Product	Rate	APY
Business Plus Checking	-	1.70%
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Plus Checking	-	0.95%
Min Balance $150,000 Details Balance: $150,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Plus Checking	-	0.85%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Business Plus Checking	-	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/30/2026 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: 1.21%
Business Plus Checking	-	0.65%
Min Balance $2,500 Details Balance: $2,500 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - up to 60 months	-	-	5.19%	up to 60 months
Details As Low As; Home Equity Loans Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Home Equity Loan - up to 120 months	-	-	5.49%	up to 120 months
Details As Low As; Home Equity Loans Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Home Equity Loan - up to 180 months	-	-	5.69%	up to 180 months
Details As Low As; Home Equity Loans Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Home Equity Loan - up to 240 months	-	-	6.19%	up to 240 months
Details As Low As; Home Equity Loans Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.99%	up to 36 months
Details As Low As; 3.99% on new loans, not eligible for in-house refinance Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Auto Loan	-	-	4.29%	up to 48 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Auto Loan	-	-	4.49%	up to 60 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Auto Loan	-	-	4.79%	up to 66 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.79% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Auto Loan	-	-	4.99%	up to 72 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Auto Loan	-	-	5.99%	up to 84 months
Details As Low As Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Other Collateralized Loans (Boat, Motorcycle, Camper, ATV, Etc.)	-	6.59%	up to 60 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Other Collateralized Loans (Boat, Motorcycle, Camper, ATV, Etc.)	-	7.09%	up to 72 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.09% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Other Collateralized Loans (Boat, Motorcycle, Camper, ATV, Etc.)	-	7.59%	up to 84 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.59% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Other Collateralized Loans (Boat, Motorcycle, Camper, ATV, Etc.)	-	8.09%	up to 120 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.09% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Other Collateralized Loans (Boat, Motorcycle, Camper, ATV, Etc.)	-	8.59%	up to 180 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.59% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Credit Card	-	10.99%
Details As Low As; Minimum Payment: Greater of 3% of balance or $30.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 10.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Visa Platinum Rewards Credit Card	-	11.99%
Details As Low As; Minimum Payment: Greater of 3% of balance or $30.00 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 11.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	10.99%	Revolving
Details As Low As; Minimum Payment: $25.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

Capitol Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Non-collateralized Loans	-	-	10.99%	up to 60 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Non-collateralized Loans	-	-	11.99%	up to 72 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Non-collateralized Loans	-	-	12.99%	up to 84 months
Details As Low As; Annual Percentage Rate Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%
Kasasa Saver Savings	3.93%	-	4.00%
Min Balance $0 Details Balance: 0 - $100,000 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.21%

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 Credit Union’s Texas Ratio stayed near 1.03% in Q3 2023 to 1.21% 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 credit union’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	$234M	1.21%	5.0	A+
March 31, 2026	$232M	0.95%	5.0	A+
December 31, 2025	$230M	1.66%	5.0	A+
September 30, 2025	$225M	1.29%	5.0	A+
June 30, 2025	$221M	1.75%	5.0	A+
March 31, 2025	$221M	1.23%	5.0	A+
December 31, 2024	$219M	0.91%	5.0	A+
September 30, 2024	$215M	0.63%	5.0	A+
June 30, 2024	$215M	0.87%	5.0	A+
March 31, 2024	$213M	0.88%	5.0	A+
December 31, 2023	$214M	1.70%	5.0	A+
September 30, 2023	$202M	1.03%	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 Capitol 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 Capitol 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 Capitol Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Capitol Credit Union

Website https://www.ccutx.org

Address 11920 Alterra Pkwy, Austin, TX 78758

Phone 512-477-9465

Fax 512-719-4521

President Michael Jones

CEO Pierre Cardenas

Full-Time Employees 47

Part-Time Employees 5

Branch Locations 3

ATM Locations 10

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

1.21%

Return on Assets (ROA)

0.1248%

Return on Equity (ROE)

1.0407%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

233,880,844

Total Amount of Shares and Deposits

203,616,074

Total Shares and Deposits < 1 Year

196,444,021

Total Shares and Deposits 1 3 Years

5,999,429

Total Shares and Deposits > 3 Years

1,172,624

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

17,796,835

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

17,796,835

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

185,819,239

Total Interest Expense (Sum of items 6 8)

1,505,939

Share Certificates

570

Number of Accounts for Share Drafts

8,273

IRA KEOGH Accounts

380

Number of Accounts for Regular Shares

16,779

Non Member Deposits

Money Market Shares

358

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)

16,231,202

Total Liabilities

207,505,213

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Capitol 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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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 Capitol Credit Union

Does Capitol Credit Union offer CDs?

Yes. Capitol Credit Union current CD rates include its 12 Month CD at 3.95% APY, its 18 Month CD at 3.95% APY and its 24 Month CD at 3.90% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Capitol Credit Union NCUA insured?

Yes. Capitol 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 Capitol Credit Union?

The highest Capitol Credit Union CD rate is its 12 Month CD at 3.95% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Capitol Credit Union offer?

Capitol Credit Union CD rates are 3.85% APY for a 6 month CD, 3.95% APY for a 12 month CD, 3.95% APY for an 18 month CD, 3.90% APY for a 2 year CD, 3.80% APY for a 3 year CD and 3.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Capitol Credit Union for its full lineup.

What is the highest savings rate at Capitol Credit Union?

The highest Capitol Credit Union savings rate is its Business Savings at 2.00% APY, verified by MonitorBankRates as of October 30, 2026.

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

The highest Capitol Credit Union money market rate is its Plus Money Market at 2.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Capitol Credit Union?

The highest Capitol Credit Union checking rate is its Business Plus Checking at 1.70% APY, verified by MonitorBankRates as of October 30, 2026.

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

The lowest Capitol Credit Union auto loan rate is its Auto Loan at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.

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

The lowest Capitol Credit Union personal loan rate is its Personal Line of Credit at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Capitol Credit Union?

The lowest Capitol Credit Union credit card APR is its Visa Platinum Credit Card at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Capitol Credit Union operate?

Capitol 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 Capitol Credit Union?

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

Does Capitol Credit Union offer online and mobile banking?

Most modern institutions like Capitol 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.ccutx.org.

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 Capitol Credit Union rates compare?

Capitol Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. Capitol Credit Union's top rates are its 12 Month CD at 3.95% APY, its Business Savings at 2.00% APY, its Plus Money Market at 2.00% APY, its Free Kasasa Cash Checking at 6.00% APY, its Personal Line of Credit at 10.99% APR and its Visa Platinum Credit Card at 10.99% APR, verified by MonitorBankRates on October 30, 2026.

Current Capitol Credit Union Rates

12-Month CD3.95%
18-Month CD3.95%
24-Month CD3.90%
60-Month CD3.65%
Savings2.00%
MMA2.00%

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

Compare to Other Credit Unions

Capitol Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Capitol Credit Union Texas Ratio

Capitol Credit Union Health Trend

Capitol Credit Union CD Rates

Capitol Credit Union Savings Rates

Capitol Credit Union Business Savings Rates

Capitol Credit Union Money Market Rates

Capitol Credit Union Checking Rates

Capitol Credit Union Business Checking Rates

Capitol Credit Union Home Equity & HELOC

Capitol Credit Union Auto Loan Rates

Capitol Credit Union RV, Boat and Powersport Loan Rates

Capitol Credit Union Credit Card Rates

Capitol Credit Union Personal Loan Rates

Capitol Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Capitol Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Capitol Credit Union

Does Capitol Credit Union offer CDs?

Are CDs from Capitol Credit Union NCUA insured?

What is the highest CD rate at Capitol Credit Union?

What CD terms does Capitol Credit Union offer?

What is the highest savings rate at Capitol Credit Union?

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

What is the highest checking rate at Capitol Credit Union?

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

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

What is the lowest credit card APR at Capitol Credit Union?

How many branches does Capitol Credit Union operate?

Is a member application needed to join Capitol Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Capitol 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 Capitol Credit Union rates compare?

Current Capitol Credit Union Rates

Compare to Other Credit Unions