What are the current interest rates at Capitol View Credit Union?

Current rates for Capitol View Credit Union include: 12-Month CD: 2.70%, 24-Month CD: 2.27%, 60-Month CD: 1.26%, MMA: 2.00%

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Capitol View Credit Union

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Capitol View Credit Union Rates & Review October 2026

Q: Is a member application needed to join Capitol View Credit Union?

Yes, to access services at Capitol View 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Capitol View Credit Union 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 9, 2026

Capitol View Credit Union's top rates as of October 9, 2026 are 3.85% APY on its 15 Month JUMBO CD, 2.00% APY on money market accounts, 0.05% APY on checking, personal loans from 10.24% APR, and credit cards from 10.50% APR, according to rates verified by MonitorBankRates. Other Capitol View Credit Union CD rates include 13 Month CD of Deposit at 3.70%, 1 Year CD of Deposit at 3.45%, and 1 Year IRA CD at 3.45%. MonitorBankRates evaluates the financial stability of Capitol View Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.11%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 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

1.11%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Capitol View Credit Union
Main office

623 E 12th St
Des Moines, IA 50309

https://www.capview.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.

Capitol View Credit Union CD Rates

Product	Rate	APY	Term
15 Month JUMBO CD	3.80%	3.85%	15 Month
Min Balance $100,000 Details IRA CDs are also available at these current terms. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
13 Month Certificate of Deposit	3.65%	3.70%	13 Month
Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
1 Year Certificate of Deposit	3.41%	3.45%	1 Year
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
1 Year IRA CD	3.41%	3.45%	1 Year
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2 Year Certificate of Deposit	3.00%	3.03%	2 Years
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2 Year IRA CD	3.00%	3.03%	2 Years
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
21 Month Certificate of Deposit	2.92%	2.95%	21 Month
Min Balance $25,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
1 Year Certificate of Deposit	2.67%	2.70%	1 Year
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
1 Year IRA CD	2.67%	2.70%	1 Year
Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
41 Month Certificate of Deposit	2.67%	2.70%	41 Month
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
5 Year Certificate of Deposit	2.35%	2.37%	5 Years
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.37% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
5 Year IRA CD	2.35%	2.37%	5 Years
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.37% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
3 Year Certificate of Deposit	2.30%	2.32%	3 Years
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.32% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
3 Year IRA CD	2.30%	2.32%	3 Years
Min Balance $10,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.32% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2 Year Certificate of Deposit	2.25%	2.27%	2 Years
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2 Year IRA CD	2.25%	2.27%	2 Years
Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
3 Year Certificate of Deposit	1.75%	1.76%	3 Years
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
3 Year IRA CD	1.75%	1.76%	3 Years
Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
5 Year Certificate of Deposit	1.25%	1.26%	5 Years
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
5 Year IRA CD	1.25%	1.26%	5 Years
Min Balance $2,500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.99%	2.00%
Min Balance $50,000 Details Balance: $50,000 - < $100,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Account	1.49%	1.50%
Min Balance $20,000 Details Balance: $20,000 - <$50,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Money Market Account	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $19,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	0.05%	0.05%
Min Balance $2,000 Details Average Daily Balance: $2,000 and above; Dividends are paid quarterly. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	6.49%	-	6.49%	60 Months
Details LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49% Oct 9, 20266.49%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	6.74%	-	6.74%	60 Months
Details Loyalty Rate*: 6.49%; LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	6.99%	-	6.99%	120 Months
Details LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 6.99% ▼ 0.25 pts · high 7.24% / low 6.99% Oct 9, 20266.99%▼ from 7.24% Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	6.99%	-	6.99%	180 Months
Details LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99% Oct 9, 20266.99%▼ from 7.24% Sep 18, 20267.24%▼ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	7.24%	-	7.24%	120 Months
Details Loyalty Rate*: 6.99%; LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	7.24%	-	7.24%	180 Months
Details Loyalty Rate: 6.99%; LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.24% ▼ 0.25 pts · high 7.49% / low 7.24% Sep 18, 20267.24%▼ from 7.49%* Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	7.49%	-	7.49%	180 Months
Details LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 7.49% → 7.49% ▼ 0.00 pts · high 7.49% / low 7.24% Oct 9, 20267.49%▲ from 7.24% Sep 18, 20267.24%▼ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loan	7.74%	-	7.74%	180 Months
Details Loyalty Rate*: 7.49%; LTV = "Loan-To-Value" Ratio; Add 2% for LTV above 85%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	3.99%	36 months
Details Qualifications Required: Direct deposit of at least $1,000/mo. and setup automatic payments for their loan; Annual Percentage Rate based on 36 month term. Rates may vary based on creditworthiness and other factors. Rates subject to change without notice. Not all borrowers will qualify. 3.99% rate is a loyalty rate, which is reserved for members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan. Expect a monthly payment of $1180.78 for a $40,000 loan financed at 3.99% for 36 months. Cannot be combined with other rate discounts. Federally insured by NCUA. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer)	-	-	3.99%	Up to 36 Months
Details Additional APR listed for this product: 4.24%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.24% → 3.99% ▼ 0.25 pts · high 4.24% / low 3.99% Oct 9, 20263.99%▼ from 4.24%* Sep 18, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer)	-	-	4.24%	Up to 48 Months
Details Additional APR listed for this product: 4.49%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24% Oct 9, 20264.24%▼ from 4.49%* Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer)	-	-	4.49%	Up to 60 Months
Details Additional APR listed for this product: 4.74%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.74% → 4.49% ▼ 0.25 pts · high 4.74% / low 4.49% Oct 9, 20264.49%▼ from 4.74%* Sep 18, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer)	-	-	4.74%	Up to 72 Months
Details Additional APR listed for this product: 4.99%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 4.74% ▼ 0.25 pts · high 4.99% / low 4.74% Sep 29, 20264.74%▼ from 4.99%* Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Vehicle & Motorcycle Loans	-	-	4.99%	Up to 48 Months
Details Additional APR listed for this product: 5.24%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99% Oct 9, 20264.99%▼ from 5.24%* Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer)	-	-	4.99%	Up to 84 Months
Details Additional APR listed for this product: 5.24%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99% Sep 29, 20264.99%▼ from 5.24%* Sep 18, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Vehicle & Motorcycle Loans	-	-	5.24%	Up to 60 Months
Details Additional APR listed for this product: 5.49%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24% Oct 9, 20265.24%▼ from 5.49%* Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer) - Up to 84 Months	5.24%	-	5.24%	Up to 84 Months
Details Loyalty Rate: 4.99% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Vehicle & Motorcycle Loans	-	-	5.49%	Up to 72 Months
Details Additional APR listed for this product: 5.74%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49% Oct 9, 20265.49%▼ from 5.74%* Sep 18, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Vehicle & Motorcycle Loans - Up to 72 Months	5.74%	-	5.74%	Up to 72 Months
Details Loyalty Rate: 5.49% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Vehicle & Motorcycle Loans	-	-	5.99%	Up to 48 Months
Details Additional APR listed for this product: 6.24%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.24% → 5.99% ▼ 0.25 pts · high 6.24% / low 5.99% Oct 9, 20265.99%▼ from 6.24%* Sep 18, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Vehicle & Motorcycle Loans - Up to 48 Months	6.24%	-	6.24%	Up to 48 Months
Details Loyalty Rate: 5.99% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Vehicle & Motorcycle Loans	-	-	6.49%	Up to 60 Months
Details Additional APR listed for this product: 6.74%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49% Oct 9, 20266.49%▼ from 6.74%* Sep 18, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Vehicle & Motorcycle Loans - Up to 60 Months	6.74%	-	6.74%	Up to 60 Months
Details Loyalty Rate: 6.49% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Vehicle & Motorcycle Loans	-	-	6.99%	Up to 36 Months
Details Additional APR listed for this product: 7.24%. Loyalty Rate: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 7.24% → 6.99% ▼ 0.25 pts · high 7.24% / low 6.99% Oct 9, 20266.99%▼ from 7.24%* Sep 18, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Vehicle & Motorcycle Loans - Up to 36 Months	7.24%	-	7.24%	Up to 36 Months
Details Loyalty Rate: 6.99% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 36 Months	3.99%	3.99%	Up to 36 Months
Details Loyalty Rate: 3.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.24% → 3.99% ▼ 0.25 pts · high 4.24% / low 3.99% Sep 29, 20263.99%▼ from 4.24% Sep 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 36 Months	4.24%	4.24%	Up to 36 Months
Details Loyalty Rate: 3.99%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 48 Months	4.24%	4.24%	Up to 48 Months
Details Loyalty Rate: 4.24%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24% Sep 29, 20264.24%▼ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 48 Months	4.49%	4.49%	Up to 48 Months
Details Loyalty Rate: 4.24%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 60 Months	4.49%	4.49%	Up to 60 Months
Details Loyalty Rate: 4.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.49% ▼ 0.25 pts · high 4.74% / low 4.49% Sep 29, 20264.49%▼ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 60 Months	4.74%	4.74%	Up to 60 Months
Details Loyalty Rate: 4.49%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 48 Months	4.99%	4.99%	Up to 48 Months
Details Loyalty Rate: 4.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99% Sep 29, 20264.99%▼ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 48 Months	5.24%	5.24%	Up to 48 Months
Details Loyalty Rate: 4.99%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 60 Months	5.24%	5.24%	Up to 60 Months
Details Loyalty Rate: 5.24%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24% Sep 29, 20265.24%▼ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 72 Months	5.24%	5.24%	Up to 72 Months
Details Loyalty Rate: 5.24%; Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more.; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24% Sep 29, 20265.24%▼ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 60 Months	5.49%	5.49%	Up to 60 Months
Details Loyalty Rate: 5.24%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 72 Months	5.49%	5.49%	Up to 72 Months
Details Loyalty Rate: 5.24%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 84 Months	5.49%	5.49%	Up to 84 Months
Details Loyalty Rate: 5.49%; Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more.; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49% Sep 29, 20265.49%▼ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 84 Months	5.74%	5.74%	Up to 84 Months
Details Loyalty Rate: 5.49%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 48 Months	5.99%	5.99%	Up to 48 Months
Details Loyalty Rate: 5.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 5.99% ▼ 0.25 pts · high 6.24% / low 5.99% Sep 29, 20265.99%▼ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 72 Months	5.99%	5.99%	Up to 72 Months
Details Loyalty Rate: 5.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 5.99% ▼ 0.25 pts · high 6.24% / low 5.99% Sep 29, 20265.99%▼ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 96 Months	5.99%	5.99%	Up to 96 Months
Details Loyalty Rate: 5.99%; Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more.; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.24% → 5.99% ▼ 0.25 pts · high 6.24% / low 5.99% Sep 29, 20265.99%▼ from 6.24% Sep 14, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 48 Months	6.24%	6.24%	Up to 48 Months
Details Loyalty Rate: 5.99%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 72 Months	6.24%	6.24%	Up to 72 Months
Details Loyalty Rate: 5.99%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 96 Months	6.24%	6.24%	Up to 96 Months
Details Loyalty Rate: 5.99%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 60 Months	6.49%	6.49%	Up to 60 Months
Details Loyalty Rate: 6.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49% Sep 29, 20266.49%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 84 Months	6.49%	6.49%	Up to 84 Months
Details Loyalty Rate: 6.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49% Sep 29, 20266.49%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 180 Months	6.49%	6.49%	Up to 180 Months
Details Loyalty Rate: 6.49%; Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more.; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49% Sep 29, 20266.49%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 60 Months	6.74%	6.74%	Up to 60 Months
Details Loyalty Rate: 6.49%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 84 Months	6.74%	6.74%	Up to 84 Months
Details Loyalty Rate: 6.49%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Up to 180 Months	6.74%	6.74%	Up to 180 Months
Details Loyalty Rate: 6.49%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 36 Months	6.99%	6.99%	Up to 36 Months
Details Loyalty Rate: 6.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 6.99% ▼ 0.25 pts · high 7.24% / low 6.99% Sep 29, 20266.99%▼ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 72 Months	6.99%	6.99%	Up to 72 Months
Details Loyalty Rate: 6.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 6.99% ▼ 0.25 pts · high 7.24% / low 6.99% Sep 29, 20266.99%▼ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 96 Months	6.99%	6.99%	Up to 96 Months
Details Loyalty Rate: 6.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 6.99% ▼ 0.25 pts · high 7.24% / low 6.99% Sep 29, 20266.99%▼ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 36 Months	7.24%	7.24%	Up to 36 Months
Details Loyalty Rate: 6.99%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 72 Months	7.24%	7.24%	Up to 72 Months
Details Loyalty Rate: 6.99%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 96 Months	7.24%	7.24%	Up to 96 Months
Details Loyalty Rate: 6.99%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 48 Months	7.49%	7.49%	Up to 48 Months
Details Loyalty Rate: 7.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.49% ▼ 0.25 pts · high 7.74% / low 7.49% Sep 29, 20267.49%▼ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 84 Months	7.49%	7.49%	Up to 84 Months
Details Loyalty Rate: 7.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.49% ▼ 0.25 pts · high 7.74% / low 7.49% Sep 29, 20267.49%▼ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 120 Months	7.49%	7.49%	Up to 120 Months
Details Loyalty Rate: 7.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.49% ▼ 0.25 pts · high 7.74% / low 7.49% Sep 29, 20267.49%▼ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 48 Months	7.74%	7.74%	Up to 48 Months
Details Loyalty Rate: 7.49%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 84 Months	7.74%	7.74%	Up to 84 Months
Details Loyalty Rate: 7.49%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Up to 120 Months	7.74%	7.74%	Up to 120 Months
Details Loyalty Rate: 7.49%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 60 Months	7.99%	7.99%	Up to 60 Months
Details Loyalty Rate: 7.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 7.99% ▼ 0.25 pts · high 8.24% / low 7.99% Sep 29, 20267.99%▼ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 96 Months	7.99%	7.99%	Up to 96 Months
Details Loyalty Rate: 7.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.24% → 7.99% ▼ 0.25 pts · high 8.24% / low 7.99% Sep 29, 20267.99%▼ from 8.24% Sep 14, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 60 Months	8.24%	8.24%	Up to 60 Months
Details Loyalty Rate: 7.99%. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 96 Months	8.24%	8.24%	Up to 96 Months
Details Loyalty Rate: 7.99%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 72 Months	8.49%	8.49%	Up to 72 Months
Details Loyalty Rate: 8.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.49% ▼ 0.25 pts · high 8.74% / low 8.49% Sep 29, 20268.49%▼ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 120 Months	8.49%	8.49%	Up to 120 Months
Details Loyalty Rate: 8.49%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.74% → 8.49% ▼ 0.25 pts · high 8.74% / low 8.49% Sep 29, 20268.49%▼ from 8.74% Sep 14, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 72 Months	8.74%	8.74%	Up to 72 Months
Details Loyalty Rate: 8.49%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Up to 120 Months	8.74%	8.74%	Up to 120 Months
Details Loyalty Rate: 8.49%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 120 Months	8.99%	8.99%	Up to 120 Months
Details Loyalty Rate: 8.99%; Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 9.24% → 8.99% ▼ 0.25 pts · high 9.24% / low 8.99% Sep 29, 20268.99%▼ from 9.24% Sep 14, 20269.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans - Up to 120 Months	9.24%	9.24%	Up to 120 Months
Details Loyalty Rate: 8.99%. Boat and recreational vehicle loans over 60 months must have a minimum initial balance of $5,000 or more. Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union Credit Card Rates

Product	Rate	APR
Gold Mastercard	10.50%	10.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Classic Mastercard	14.50%	14.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans (No Collateral)	10.24%	Up to 36 Months
Details Loyalty Rate*: 9.99% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	11.24%	Up to 48 Months
Details Loyalty Rate*: 10.99% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	12.24%	Up to 60 Months
Details Loyalty Rate*: 11.99% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	13.99%	Up to 24 Months
Details Loyalty Rate*: 13.74% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 13.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	14.99%	Up to 36 Months
Details Loyalty Rate*: 14.74% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 14.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

Capitol View Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Holiday Loan	-	-	9.99%	36 months
Details Annual Percentage Rate based on 36 month term & $5,000 minimum. Federally insured by NCUA. See details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equities Loan	-	-	6.49%
Details As low as; Fixed Rate Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Share-Backed Loan - Certificate of Deposit	3.00%	-	3.00%	Up to 24 Months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Share-Backed Loan - Money Market Account	3.00%	-	3.00%	Up to 24 Months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Share-Backed Loan - Savings Account	3.00%	-	3.00%	Up to 24 Months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

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 View Credit Union’s Texas Ratio rose from 0.09% in Q3 2023 to 1.11% 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	$46M	1.11%	5.0	A+
March 31, 2026	$47M	0.20%	5.0	A+
December 31, 2025	$46M	0.36%	5.0	A+
September 30, 2025	$45M	1.28%	5.0	A+
June 30, 2025	$45M	2.15%	5.0	A+
March 31, 2025	$45M	1.51%	5.0	A+
December 31, 2024	$44M	0.34%	5.0	A+
September 30, 2024	$44M	1.36%	5.0	A+
June 30, 2024	$45M	0.15%	5.0	A+
March 31, 2024	$44M	1.00%	5.0	A+
December 31, 2023	$44M	0.31%	5.0	A+
September 30, 2023	$44M	0.09%	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 View 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 View 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 View Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Capitol View Credit Union

Website https://www.capview.com

Address 623 E 12th St, Des Moines, IA 50309

Phone 515-348-8350

Fax 515-348-8351

President Tara Ganpat-Puffett

CEO Benjamin Sheridan

Full-Time Employees 7

Part-Time Employees 0

Branch Locations 1

ATM Locations 5

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

1.11%

Return on Assets (ROA)

0.1363%

Return on Equity (ROE)

0.7276%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

46,100,802

Total Amount of Shares and Deposits

37,355,235

Total Shares and Deposits < 1 Year

36,376,190

Total Shares and Deposits 1 3 Years

853,563

Total Shares and Deposits > 3 Years

125,482

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

1,188,161

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

1,188,161

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

36,167,074

Total Interest Expense (Sum of items 6 8)

328,937

Share Certificates

225

Number of Accounts for Share Drafts

1,208

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,168

Money Market Shares

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

62,831

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)

17,358,822

Total Liabilities

37,465,378

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Capitol View Credit Union 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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 View Credit Union

How many branches does Capitol View Credit Union operate?

Capitol View 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 View Credit Union?

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

Does Capitol View Credit Union offer online and mobile banking?

Most modern institutions like Capitol View 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.capview.com.

Current Capitol View Credit Union Rates

12-Month CD2.70%
24-Month CD2.27%
60-Month CD1.26%
MMA2.00%

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

Compare to Other Credit Unions

Capitol View Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Capitol View Credit Union Texas Ratio

Capitol View Credit Union Health Trend

Capitol View Credit Union CD Rates

Capitol View Credit Union Money Market Rates

Capitol View Credit Union Checking Rates

Capitol View Credit Union Home Equity & HELOC

Capitol View Credit Union Auto Loan Rates

Capitol View Credit Union RV, Boat and Powersport Loan Rates

Capitol View Credit Union Credit Card Rates

Capitol View Credit Union Personal Loan Rates

Capitol View Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Capitol View Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Capitol View Credit Union

How many branches does Capitol View Credit Union operate?

Is a member application needed to join Capitol View Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Capitol View Credit Union offer online and mobile banking?

Current Capitol View Credit Union Rates

Compare to Other Credit Unions