What are the current interest rates at The National Capital Bank of Washington?

Current rates for The National Capital Bank of Washington include: 12-Month CD: 1.26%, 24-Month CD: 1.26%, Savings: 0.05%, MMA: 0.35%

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The National Capital Bank of Washington

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The National Capital Bank of Washington Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The National Capital Bank of Washington 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 11, 2026

The National Capital Bank of Washington's top rates as of October 11, 2026 are 3.30% APY on its 12-Months Individual Retirement Account (IRA) 12-Month CD, 0.05% APY on savings, 0.35% APY on money market accounts, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other The National Capital Bank of Washington CD rates include 6-Months Platinum Account Holders Certificates of Deposit 6-Month at 2.18%, 6-Months Certificates of Deposit 6-Month at 2.08%, and 12-Months Platinum Account Holders Certificates of Deposit 12-Month at 1.36%. MonitorBankRates evaluates the financial stability of The National Capital Bank of Washington with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.51%. Rates last updated and verified on 10/11/2026.

The National Capital Bank of Washington 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 The National Capital Bank of Washington? Share your experience about The National Capital Bank of Washington by leaving a review below, or read customer reviews before you decide to use The National Capital Bank of Washington.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.51%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The National Capital Bank of Washington

316 Pennsylvania Ave Se
Washington, DC 20003

https://www.nationalcapitalbank.bank

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

The National Capital Bank of Washington CD Rates

Product	Rate	APY	Term
Individual Retirement Account (IRA) 12 month	3.25%	3.30%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 180 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit 6 month	2.16%	2.18%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 90 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.18% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Certificates of Deposit 6 month	2.06%	2.08%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 90 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 2.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit 12 month	1.35%	1.36%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 180 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit 24 month	1.35%	1.36%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 180 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit 3 month	1.35%	1.36%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 30 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit 30 month	1.35%	1.36%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 180 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Certificates of Deposit 12 month	1.25%	1.26%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 180 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Certificates of Deposit 24 month	1.25%	1.26%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 180 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Certificates of Deposit 3 month	1.25%	1.26%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 30 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Certificates of Deposit 30 month	1.25%	1.26%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details Early Withdrawl Penalty: 180 days' simple interest Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%

The National Capital Bank of Washington Savings Rates

Product	Rate	APY
Kid's Club Savings	0.05%	0.05%
Min Deposit $1 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%

The National Capital Bank of Washington Money Market Rates

Product	Rate	APY
Premium Money Market	0.35%	0.35%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Premium Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%
Premium Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: Balances up to $2,499.99 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%

The National Capital Bank of Washington Checking Rates

Product	Rate	APY	View More
Interest Checking	0.05%	0.05%
Min Deposit $100 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.51%

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

The National Capital Bank of Washington’s Texas Ratio rose from 0.00% in Q3 2023 to 14.51% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$742M	14.51%	5.0	A-
March 31, 2026	$735M	15.06%	5.0	A-
December 31, 2025	$763M	17.67%	4.8	B+
September 30, 2025	$727M	8.95%	5.0	A
June 30, 2025	$702M	5.62%	5.0	A+
March 31, 2025	$716M	5.77%	5.0	A+
December 31, 2024	$714M	4.53%	5.0	A+
September 30, 2024	$718M	0.00%	5.0	A+
June 30, 2024	$716M	0.00%	5.0	A+
March 31, 2024	$708M	0.00%	5.0	A+
December 31, 2023	$703M	0.00%	5.0	A+
September 30, 2023	$682M	0.00%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The National Capital Bank of Washington is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather The National Capital Bank of Washington 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 The National Capital Bank of Washington's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The National Capital Bank of Washington

Bank Holding Company NATIONAL CAPITAL BCORP INC

Address 316 Pennsylvania Ave Se, Washington, DC 20003 · District Of Columbia

Website https://www.nationalcapitalbank.bank

FDIC Certificate # 2093

Established 18890830

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.51%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8919%

Return on Equity (ROE) 8.4000%

Non-Performing Loans (NPL) 1.58%

Total Assets $742,180,000

Total Deposits $659,158,000

Equity Capital $80,667,000

Net Income $3,330,000

Headquarters Washington

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

The National Capital Bank of Washington earned the Verified Healthy badge

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

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Frequently Asked Questions About The National Capital Bank of Washington

How many branches does The National Capital Bank of Washington operate?

The National Capital Bank of Washington currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, The National Capital Bank of Washington 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, The National Capital Bank of Washington provides members with tools to manage their accounts and build a solid financial history.

Does The National Capital Bank of Washington offer online and mobile banking?

Most modern institutions like The National Capital Bank of Washington 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.nationalcapitalbank.bank.