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Capital Credit Union Rates & Review September 2026

Capital Credit Union's 12 Month CD of Deposit rates are at 4.15%, 6 Month CD of Deposit rates are at 4.15%, 12 Month CD of Deposit rates are at 3.75%, 6 Month CD of Deposit rates are at 3.75%, 9 Month CD of Deposit rates are at 3.75%. Capital Credit Union's savings rates are at 0.09%. Capital Credit Union's money market rates are at 0.20%. Capital Credit Union's Personal Loan Rates are as low as 12.25%. MonitorBankRates evaluates the financial stability of Capital Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.38%. Rates last updated and verified on 09/22/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.38%
Excellent Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Capital Credit Union
Main Office
204 W Thayer Ave
Bismarck, ND 58501
https://www.capcu.org
Member NCUA

Capital Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate of Deposit 4.08% 4.15% 12-Month Special
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
6 Month Certificate of Deposit 4.07% 4.15% 6-Month Special
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
12 Month Certificate of Deposit 3.69% 3.75% 12-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
6 Month Certificate of Deposit 3.69% 3.75% 6-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
9 Month Certificate of Deposit 3.69% 3.75% 9-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
3 Month Certificate of Deposit 3.49% 3.55% 3-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
18 Month Certificate of Deposit 2.96% 3.00% 18-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
60 Month Certificate of Deposit 2.96% 3.00% 60-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
24 Month Certificate of Deposit 2.91% 2.95% 24-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
36 Month Certificate of Deposit 2.47% 2.50% 36-Month
Min Deposit $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Capital Credit Union Savings Rates

Product Rate APY View More
Growth Savings 3.00% 3.04%
Min Balance $50,000
Details Balance: 50,000.00+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Thrive Savings 1.60% 1.61%
Min Balance $0
Details Balance: $0 - 20,000.00
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Thrive Savings 0.05% 0.09%
Min Balance $20,000
Details Balance: 20,000.01+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Capital Credit Union Money Market Rates

Product Rate APY View More
Money Market 1.00% 1.44%
Min Balance $2,500
Details Published APY range: 1.44%-1.23%. Balance: 500,000-999,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Money Market 1.00% 1.23%
Min Balance $2,500
Details Published APY range: 1.23%-1.15%. Balance: 1,000,000-1,500,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Money Market 0.20% 0.20%
Min Balance $2,500
Details Balance: $0-9,999
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Capital Credit Union Checking Rates

Product Rate APY View More
Capital Checking 3.04% 3.04%
Min Balance $2,500
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Dividends paid at 3.04% Annual Percentage Yield (APY) on balances up to $20,000 and 0.05% APY on the portion of the balance exceeding $20,000. Interest calculated at a blended rate between 0.05%-3.04% APY. If requirements are not met, dividends on accounts meeting the minimum balance will be paid at 0.05% APY. Qualifying transactions only include debit or credit card purchases on Capital Credit Union cards; qualifying transactions do not include check purchases or ATM transactions. The qualification period is defined as the first through the last day of the calendar month. Transactions may take one or more business days from the date the transaction was made to post to the checking account. Rates are subject to change. High yield rate is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Classic Checking 3.00% 3.04%
Min Balance $2,500
Details Balance: 2,500.00 - 20,000.00; Interest earned on entire balance when minimum is maintained.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Premier Business Checking 0.65% 0.65%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Classic Checking 0.05% 0.05%
Min Balance $2,500
Details Balance: 20,000.01+; Interest earned on entire balance when minimum is maintained.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Classic Checking 0.05% 0.05%
Min Balance $20,000
Details Qualifications Required: 12 or more qualifying transactions that post and clear during each monthly qualification period using your Capital Credit Union debit or credit card , or any combination of both; Maintain a minimum average daily balance of $2,500; Interest earned on entire balance when $2,500 minimum is maintained. Balance: $20,000.01+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Capital Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (10- or 15-year term) - - 6.50%
Details Published APR range: 6.50% to 12.00%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Loan (5-year term / 80% LTV) - - 6.99% 5-year
Details Published APR range: 6.99% to 16.25%. 80% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Line of Credit (15-year term) - - 7.24% 15-year
Details Published APR range: 7.24% to 17.35%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Loan (5-year term / 90% LTV) - - 7.24% 5-year
Details Published APR range: 7.24% to 16.75%. 90% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Loan (10-year term / 80% LTV) - - 7.49% 10-year
Details Published APR range: 7.49% to 16.50%. 80% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Loan (10-year term / 90% LTV) - - 7.74% 10-year
Details Published APR range: 7.74% to 17.00%. 90% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Loan (15-year term / 80% LTV) - - 8.29% 15-year
Details Published APR range: 8.29% to 17.00%. 80% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Line of Credit INTEREST ONLY (5-year term) - - 8.50% 5-year
Details Published APR range: 8.50% to 17.25%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Home Equity Loan (15-year term / 90% LTV) - - 8.54% 15-year
Details Published APR range: 8.54% to 17.50%. 90% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Capital Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.49% 36 months
Details Rate accurate as of June 1, 2026, and subject to change without notice. Rate reflects a 0.25% discount for loan being set up on autopay and a 0.25% discount for setting up an active Capital Credit Union checking account. Rates vary based on loan term and credit history / qualifications. All loans subject to credit approval. Fees may apply. Cannot be combined with other discounts or offers. Subject to change at any time and without notice.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Capital Credit Union Personal Loan Rates

Product APR Term View More
Unsecured - Signature Loan/Line 12.25%
Details Published APR range: 12.25% to 21.50%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Capital Credit Union Other Rates

Product Rate Points APY/APR Term View More
New Manufactured Homes (Additional Requirements) Loan - - 7.00%
Details Published APR range: 7.00% to 10.50%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Used Manufactured Homes (Additional Requirements) Loan - - 7.50%
Details Published APR range: 7.50% to 10.75%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Business Transactional Account 0.05% - 0.05%
Min Balance $0
Details Balance: All amounts
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
CU Save 0.05% - 0.05%
Min Balance $0
Details Balance: $0-499.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
CU Save 0.05% - 0.05%
Min Balance $500
Details Balance: 500.00-999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
CU Save 0.05% - 0.05%
Min Balance $1,000
Details Balance: 1,000.00-1,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
CU Save 0.05% - 0.05%
Min Balance $2,000
Details Balance: 2,000.00+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Regular Share 0.05% - 0.05%
Min Deposit $25
Min Balance $0
Details Balance: $0 - 1,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Regular Share 0.05% - 0.05%
Min Deposit $25
Min Balance $2,000
Details Balance: 2,000.00 - 9,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Regular Share 0.05% - 0.05%
Min Deposit $25
Min Balance $10,000
Details Balance: 10,000.00+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Secondary Share 0.05% - 0.05%
Min Balance $0
Details Balance: All amounts
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Traditional IRA Share 0.05% - 0.05%
Min Balance $0
Details Balance: $0-2,499.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Traditional IRA Share 0.05% - 0.05%
Min Balance $2,500
Details Balance: 2,500.00-9,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Traditional IRA Share 0.05% - 0.05%
Min Balance $10,000
Details Balance: 10,000.00-19,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Traditional IRA Share 0.05% - 0.05%
Min Balance $20,000
Details Balance: 20,000.00-49,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Traditional IRA Share 0.05% - 0.05%
Min Balance $50,000
Details Balance: 50,000.00-249,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Traditional IRA Share 0.05% - 0.05%
Min Balance $250,000
Details Balance: 250,000.00-499,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Traditional IRA Share 0.05% - 0.05%
Min Balance $500,000
Details Balance: 500,000.00+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%
Transactional Account 0.05% - 0.05%
Min Balance $0
Details Balance: All amounts
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 8.38%

Financial Health History

Capital Credit Union’s Texas Ratio rose from 1.62% in Q2 2023 to 8.38% in Q1 2026, so its financial health has weakened 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 credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.62% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 8.38% A Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$908M8.38%5.0A
December 31, 2025$890M7.93%5.0A
September 30, 2025$854M10.54%5.0A
June 30, 2025$833M11.06%5.0A
March 31, 2025$837M8.90%5.0A
December 31, 2024$815M8.26%5.0A
September 30, 2024$798M5.31%5.0A+
June 30, 2024$772M6.94%5.0A
March 31, 2024$763M2.46%5.0A+
December 31, 2023$756M1.56%5.0A+
September 30, 2023$741M1.57%5.0A+
June 30, 2023$728M1.62%5.0A+
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 Capital 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 Capital 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 Capital Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Capital Credit Union
Address 204 W Thayer Ave, Bismarck, ND 58501
Phone 701-255-0042
Fax 701-222-3996
President Faye Miller
CEO Jon Griffin
Full-Time Employees 136
Part-Time Employees 14
Branch Locations 12
ATM Locations 12
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.38%
Return on Assets (ROA)
0.2410%
Return on Equity (ROE)
1.8671%
Non-Performing Loans Ratio (NPL)
1.53%
Total Assets
907,752,210
Total Amount of Shares and Deposits
768,182,966
Total Shares and Deposits < 1 Year
762,576,131
Total Shares and Deposits 1 3 Years
3,759,289
Total Shares and Deposits > 3 Years
1,847,545
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
88,377,043
Total Uninsured Shares and Deposits > $250K (F+J)
88,377,043
Total Insured Shares and Deposits > $250K (item 17 less item K)
679,805,923
Total Interest Expense (Sum of items 6 8)
3,189,762
Share Certificates
5,157
Number of Accounts for Share Drafts
25,261
IRA KEOGH Accounts
550
Number of Accounts for Regular Shares
52,597
Non Member Deposits
12
Money Market Shares
6,822
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)
18,105,173
Total Liabilities
792,302,955
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Capital Credit Union earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/capital-credit-union-rates-review-61637">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Capital Credit Union

How many branches does Capital Credit Union operate?

Capital 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 Capital Credit Union?

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

Does Capital Credit Union offer online and mobile banking?

Most modern institutions like Capital 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.capcu.org.

Current Capital Credit Union Rates

  • 12-Month CD3.75%
  • 18-Month CD3.00%
  • 24-Month CD2.95%
  • 60-Month CD3.00%
  • Savings0.09%
  • MMA0.20%
Retrieved from our database of financial products. Rates subject to change.