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Capitol View Credit Union

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Capitol View Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Capitol View Credit Union offer?

Capitol View Credit Union CD rates are 3.45% APY for a 12 month CD, 3.70% APY for a 13 month CD, 2.95% APY for a 21 month CD, 3.03% APY for a 2 year CD, 2.70% APY for a 41 month CD and 1.26% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Capitol View Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Capitol View Credit Union's CD of Deposit - 13 Month rates are at 3.70%, CD of Deposit - 1 Year rates are at 3.45%, CD of Deposit - 2 Years rates are at 3.03%, CD of Deposit - 21 Month rates are at 2.95%, CD of Deposit - 41 Month rates are at 2.70%. Capitol View Credit Union's money market rates are at 2.00%. Capitol View Credit Union's Personal Loan Rates are as low as 9.99%. Capitol View Credit Union's Credit Card Rates are at 10.50%. Capitol View Credit Union's CD rates are 2% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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 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
Certificate of Deposit - 15 Month JUMBO CD	3.80%	3.85%	15 Month
Min Balance $100,000 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 13 Month	3.65%	3.70%	13 Month
Min Balance $25,000 Details Dividends paid quarterly; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 1 Year	3.41%	3.45%	1 Year
Min Balance $10,000 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 2 Years	3.00%	3.03%	2 Years
Min Balance $10,000 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 21 Month	2.92%	2.95%	21 Month
Min Balance $25,000 Details Dividends paid quarterly; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 1 Year	2.67%	2.70%	1 Year
Min Balance $2,500 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 41 Month	2.67%	2.70%	41 Month
Min Balance $10,000 Details Dividends paid quarterly; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 5 Years	2.35%	2.37%	5 Years
Min Balance $10,000 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.37% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 3 Years	2.30%	2.32%	3 Years
Min Balance $10,000 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.32% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 2 Years	2.25%	2.27%	2 Years
Min Balance $2,500 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 3 Years	1.75%	1.76%	3 Years
Min Balance $2,500 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Certificate of Deposit - 5 Years	1.25%	1.26%	5 Years
Min Balance $2,500 Details Dividends paid quarterly; Rates as of July 15, 2026; IRA CDs also available at these current terms Last Updated 10/29/2026 Rate History No change since Oct 13, 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; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 5 times 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; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.50% APY · checked 3 times 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; Dividends paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 3 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 Loans (Fixed Rate)	6.74%	-	6.74%	60 Months
Details LTV 85%; Add 2% for LTV above 85%; Regular Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loans (Fixed Rate) - Loyalty Rate	6.99%	-	6.99%	120 Months
Details LTV 85%; Add 2% for LTV above 85%; Loyalty Rate: members enrolled in direct deposit of at least $1,000/mo. and automatic loan payments; 0.25% loyalty discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loans (Fixed Rate)	7.24%	-	7.24%	120 Months
Details LTV 85%; Add 2% for LTV above 85%; Regular Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loans (Fixed Rate) - Loyalty Rate	7.49%	-	7.49%	180 Months
Details LTV 85%; Add 2% for LTV above 85%; Loyalty Rate: members enrolled in direct deposit of at least $1,000/mo. and automatic loan payments; 0.25% loyalty discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Home Equity Loans (Fixed Rate)	7.74%	-	7.74%	180 Months
Details LTV 85%; Add 2% for LTV above 85%; Regular Rate Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.74% APR · checked 4 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
Hot Auto Loan	-	-	3.99%	36-month
Details As Low As; APR based on 36 month term; loyalty rate for members who enroll in direct deposit of at least $1,000/mo. and set up automatic loan payments; purchase or refinance up to 100% of vehicle value; cannot be combined with other rate discounts Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer) - Loyalty Rate	-	-	3.99%	Up to 36 Months
Details Loyalty Rate: members who enroll in direct deposit of at least $1,000/mo. and set up automatic loan payments receive a 0.25% rate discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer)	-	-	4.24%	Up to 36 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 4.24% → 4.24% ▼ 0.00 pts · high 4.24% / low 3.99% Oct 13, 20264.24%▲ from 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)	-	-	4.49%	Up to 48 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.49% / low 4.24% Oct 13, 20264.49%▲ from 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)	-	-	4.74%	Up to 60 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 4.74% → 4.74% ▼ 0.00 pts · high 4.74% / low 4.49% Oct 13, 20264.74%▲ from 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%
2021 - 2023 Used Vehicle & Motorcycle Loans - Loyalty Rate	-	-	4.99%	Up to 48 Months
Details Loyalty Rate: members who enroll in direct deposit of at least $1,000/mo. and set up automatic loan payments receive a 0.25% rate discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Vehicle & Motorcycle Loans (2024 and Newer)	-	-	4.99%	Up to 72 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 4.99% → 4.99% ▼ 0.00 pts · high 4.99% / low 4.74% Oct 13, 20264.99%▲ from 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	-	-	5.24%	Up to 48 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 5.24% → 5.24% ▼ 0.00 pts · high 5.24% / low 4.99% Oct 13, 20265.24%▲ from 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)	-	-	5.24%	Up to 84 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 5.24% → 5.24% ▼ 0.00 pts · high 5.24% / low 4.99% Oct 13, 20265.24%▲ from 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	-	-	5.49%	Up to 60 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 5.49% → 5.49% ▼ 0.00 pts · high 5.49% / low 5.24% Oct 13, 20265.49%▲ from 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%
2021 - 2023 Used Vehicle & Motorcycle Loans	-	-	5.74%	Up to 72 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 5.74% → 5.74% ▼ 0.00 pts · high 5.74% / low 5.49% Oct 13, 20265.74%▲ from 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%
2019 - 2020 Used Vehicle & Motorcycle Loans - Loyalty Rate	-	-	5.99%	Up to 48 Months
Details Loyalty Rate: members who enroll in direct deposit of at least $1,000/mo. and set up automatic loan payments receive a 0.25% rate discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Vehicle & Motorcycle Loans	-	-	6.24%	Up to 48 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 6.24% → 6.24% ▼ 0.00 pts · high 6.24% / low 5.99% Oct 13, 20266.24%▲ from 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 - Loyalty Rate	-	-	6.49%	Up to 60 Months
Details Loyalty Rate: members who enroll in direct deposit of at least $1,000/mo. and set up automatic loan payments receive a 0.25% rate discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Vehicle & Motorcycle Loans	-	-	6.74%	Up to 60 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 6.74% → 6.74% ▼ 0.00 pts · high 6.74% / low 6.49% Oct 13, 20266.74%▲ from 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%
2018 and Older Used Vehicle & Motorcycle Loans - Loyalty Rate	-	-	6.99%	Up to 36 Months
Details Loyalty Rate: members who enroll in direct deposit of at least $1,000/mo. and set up automatic loan payments receive a 0.25% rate discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Vehicle & Motorcycle Loans	-	-	7.24%	Up to 36 Months
Details Regular Rate Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 7.24% → 7.24% ▼ 0.00 pts · high 7.24% / low 6.99% Oct 13, 20267.24%▲ from 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%

Capitol View Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat & Recreational Vehicle Loans (2024 and Newer) - Loyalty Rate	-	3.99%	Up to 36 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer)	-	4.24%	Up to 36 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Loyalty	4.24%	4.24%	Up to 48 Months
Details Loyalty Rate: requires direct deposit of at least $1,000/mo and automatic loan payments Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer)	-	4.49%	Up to 48 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Loyalty	4.49%	4.49%	Up to 60 Months
Details Loyalty Rate: requires direct deposit of at least $1,000/mo and automatic loan payments Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer)	-	4.74%	Up to 60 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	4.99%	Up to 48 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans	-	5.24%	Up to 48 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Loyalty	5.24%	5.24%	Up to 60 Months
Details Loyalty Rate: requires direct deposit of at least $1,000/mo and automatic loan payments Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Loyalty Rate	-	5.24%	Up to 72 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans	-	5.49%	Up to 60 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer)	-	5.49%	Up to 72 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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) - Loyalty	5.49%	5.49%	Up to 84 Months
Details Boat and recreational vehicle loans over 60 months require a minimum initial balance of $5,000; Loyalty Rate: requires direct deposit of at least $1,000/mo and automatic loan payments Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer)	-	5.74%	Up to 84 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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 - Loyalty Rate	-	5.99%	Up to 48 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	5.99%	Up to 72 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Loyalty Rate	-	5.99%	Up to 96 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans	-	6.24%	Up to 48 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans	-	6.24%	Up to 72 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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)	-	6.24%	Up to 96 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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 - Loyalty Rate	-	6.49%	Up to 60 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	6.49%	Up to 84 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
New Boat & Recreational Vehicle Loans (2024 and Newer) - Loyalty Rate	-	6.49%	Up to 180 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans	-	6.74%	Up to 60 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans	-	6.74%	Up to 84 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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)	-	6.74%	Up to 180 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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 - Loyalty Rate	-	6.99%	Up to 36 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	6.99%	Up to 72 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	6.99%	Up to 96 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans	-	7.24%	Up to 36 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans	-	7.24%	Up to 72 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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	-	7.24%	Up to 96 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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 - Loyalty Rate	-	7.49%	Up to 48 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	7.49%	Up to 84 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2021 - 2023 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	7.49%	Up to 120 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans	-	7.74%	Up to 48 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 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	-	7.74%	Up to 84 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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	-	7.74%	Up to 120 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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 - Loyalty Rate	-	7.99%	Up to 60 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	7.99%	Up to 96 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans	-	8.24%	Up to 60 Months
Details Regular Rate Last Updated 10/29/2026 Rate History No change since Sep 22, 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	-	8.24%	Up to 96 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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 - Loyalty Rate	-	8.49%	Up to 72 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2019 - 2020 Used Boat & Recreational Vehicle Loans - Loyalty Rate	-	8.49%	Up to 120 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans	-	8.74%	Up to 72 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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	-	8.74%	Up to 120 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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 - Loyalty Rate	-	8.99%	Up to 120 Months
Details Loyalty Rate; requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount off regular rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
2018 and Older Used Boat & Recreational Vehicle Loans	-	9.24%	Up to 120 Months
Details Regular Rate; Minimum initial balance of $5,000 required for loans over 60 months Last Updated 10/29/2026 Rate History No change since Sep 22, 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%
Details Variable Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Classic Mastercard	-	14.50%
Details Variable Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 9 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)	9.99%	Up to 36 Months
Details Minimum loan: $5,000; Loyalty: direct deposit of at least $1,000/mo and automatic loan payments (0.25% discount) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 10.24% → 9.99% ▼ 0.25 pts · high 10.24% / low 9.99% Oct 26, 20269.99%▼ from 10.24% Sep 18, 202610.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	10.24%	Up to 36 Months
Details Minimum loan: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 10.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	10.99%	Up to 48 Months
Details Minimum loan: $5,000; Loyalty: direct deposit of at least $1,000/mo and automatic loan payments (0.25% discount) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 11.24% → 10.99% ▼ 0.25 pts · high 11.24% / low 10.99% Oct 19, 202610.99%▼ from 11.24% Sep 18, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral) - Loyalty Rate	10.99%	Up to 48 Months
Details Minimum loan: $5,000; Loyalty Rate: requires direct deposit of at least $1,000/mo and automatic loan payments; 0.25% discount Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.99% 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 Minimum loan: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 11.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	11.99%	Up to 60 Months
Details Minimum loan: $5,000; Loyalty: direct deposit of at least $1,000/mo and automatic loan payments (0.25% discount) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 12.24% → 11.99% ▼ 0.25 pts · high 12.24% / low 11.99% Oct 26, 202611.99%▼ from 12.24% Sep 18, 202612.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	12.24%	Up to 60 Months
Details Minimum loan: $5,000 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 12.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	13.74%	Up to 24 Months
Details Minimum loan: $500; Loyalty: direct deposit of at least $1,000/mo and automatic loan payments (0.25% discount) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 13.99% → 13.74% ▼ 0.25 pts · high 13.99% / low 13.74% Oct 26, 202613.74%▼ from 13.99% Sep 18, 202613.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	13.99%	Up to 24 Months
Details Minimum loan: $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 13.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	14.74%	Up to 36 Months
Details Minimum loan: $500; Loyalty: direct deposit of at least $1,000/mo and automatic loan payments (0.25% discount) Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 14.99% → 14.74% ▼ 0.25 pts · high 14.99% / low 14.74% Oct 26, 202614.74%▼ from 14.99% Sep 18, 202614.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Personal Loans (No Collateral)	14.99%	Up to 36 Months
Details Minimum loan: $500 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 14.99% APR · checked 8 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%	Up to 36 months
Details As Low As; APR based on 36 month term and $5,000 minimum; Holiday Loan promotion Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Loan-To-Value Loan	6.74%	-	6.74%	60 Months
Details LTV: 85%; Add 2% for LTV above 85%; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Loan-To-Value Loan	7.24%	-	7.24%	120 Months
Details LTV: 85%; Add 2% for LTV above 85%; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Loan-To-Value Loan	7.24%	-	7.24%	180 Months
Details LTV: 60%; Add 2% for LTV above 85%; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Loan-To-Value Loan	7.74%	-	7.74%	180 Months
Details LTV: 85%; Add 2% for LTV above 85%; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Loan-To-Value Loan - Loyalty	6.99%	-	6.99%	120 Months
Details LTV: 85%; Add 2% for LTV above 85%; Loyalty Rate: members enrolled in direct deposit of at least $1,000/mo and automatic loan payments receive a 0.25% discount; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Loan-To-Value Loan - Loyalty	6.99%	-	6.99%	180 Months
Details LTV: 60%; Add 2% for LTV above 85%; Loyalty Rate: members enrolled in direct deposit of at least $1,000/mo and automatic loan payments receive a 0.25% discount; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Loan-To-Value Loan - Loyalty	7.49%	-	7.49%	180 Months
Details LTV: 85%; Add 2% for LTV above 85%; Loyalty Rate: members enrolled in direct deposit of at least $1,000/mo and automatic loan payments receive a 0.25% discount; Rates as of July 15, 2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%
Traditional, Roth, & Education IRA	0.75%	-	0.75%
Min Balance $100 Details Balance: $100 or higher; Average Daily Balance; Dividends are paid quarterly Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 0.75% APY 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

2026 MBR Health & Safety Badge

Capitol View Credit Union earned the Verified Healthy badge

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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 View Credit Union

Does Capitol View Credit Union offer CDs?

Yes. Capitol View Credit Union current CD rates include its CD of Deposit - 13 Month at 3.70% APY, its CD of Deposit - 1 Year at 3.45% APY and its CD of Deposit - 2 Years at 3.03% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Capitol View Credit Union NCUA insured?

Yes. Capitol View 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 View Credit Union?

The highest Capitol View Credit Union CD rate is its CD of Deposit - 15 Month JUMBO CD at 3.85% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Capitol View Credit Union offer?

Capitol View Credit Union CD rates are 3.45% APY for a 12 month CD, 3.70% APY for a 13 month CD, 2.95% APY for a 21 month CD, 3.03% APY for a 2 year CD, 2.70% APY for a 41 month CD and 1.26% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Capitol View Credit Union for its full lineup.

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

The highest Capitol View Credit Union money market rate is its Money Market Account at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Capitol View Credit Union auto loan rate is its Hot Auto Loan at 3.99% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Capitol View Credit Union personal loan rate is its Personal Loans (No Collateral) at 9.99%, verified by MonitorBankRates as of October 29, 2026.

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

The lowest Capitol View Credit Union credit card APR is its Gold Mastercard Credit Card at 10.50% APR, verified by MonitorBankRates as of October 29, 2026.

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.

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 View Credit Union rates compare?

Capitol View Credit Union's CD rates are 2% lower than the MonitorBankRates national average, and it has an A+ health rating. Capitol View Credit Union's top rates are its CD of Deposit - 15 Month JUMBO CD at 3.85% APY, its Money Market Account at 2.00% APY, its Personal Loans (No Collateral) at 9.99% APR and its Gold Mastercard Credit Card at 10.50% APR, verified by MonitorBankRates on October 29, 2026.

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 November 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 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

Does Capitol View Credit Union offer CDs?

Are CDs from Capitol View Credit Union NCUA insured?

What is the highest CD rate at Capitol View Credit Union?

What CD terms does Capitol View Credit Union offer?

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

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

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

What is the lowest credit card APR at 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?

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 View Credit Union rates compare?

Current Capitol View Credit Union Rates

Compare to Other Credit Unions