Capital rates: up to 5.00% APY
credit union · NCUA CHARTER 66865 · www.capitalcu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account (HSA) | 0.75% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA - Savings | Open Deposit | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Membership Savings | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| Regular Savings | 0.15% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings | 2.50% | APY | 2026-11-01 | since 2026-11-01 | ||
| SavingsPlus | 5.00% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 3-Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 3-Month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6-Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 6-Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate Special | 10-Month | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate Special | 10 months | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate Special | 10-Month | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12-Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 12-Month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Dream Builder Flex Certificate | 12-Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18-Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 18-Month | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24-Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 24-Month | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 36-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 36-Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 48-Month | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 48-Month | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60-Month | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates/IRA | 60-Month | 3.95% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Platinum | $2,500-$4,999.99 | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum | $5,000-$14,999.99 | 0.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum | $15,000-$24,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum | $25,000-$49,999.99 | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum | $50,000-$99,999.99 | 1.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum | $100,000-$249,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum | $250,000.00+ | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum /IRA | $2,500-$4,999.99 | 0.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum /IRA | $5,000-$14,999.99 | 0.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum /IRA | $15,000-$24,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum /IRA | $25,000-$49,999.99 | 1.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum /IRA | $50,000-$99,999.99 | 1.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum /IRA | $100,000-$249,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum /IRA | $250,000.00+ | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select | $50,000-$99,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select | $100,000-$249,999.99 | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select | $250,000-$499,999.99 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select | $500,000-$749,999.99 | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select | $750,000-$999,999.99 | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select | $1,000,000+ | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select /IRA | $50,000-$99,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select /IRA | $100,000-$249,999.99 | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select /IRA | $250,000-$499,999.99 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select /IRA | $500,000-$749,999.99 | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select /IRA | $750,000-$999,999.99 | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Platinum Select /IRA | $1,000,000+ | 3.90% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| ChaChing™ Checking | 4.25% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.capitalcu.com/rates-and-fees | 2026-11-01 17:53 UTC | ok | 5002dce92c22 |
| www.capitalcu.com/certificates | 2026-11-01 17:53 UTC | ok | 43c848487943 |
| www.capitalcu.com/certificate-special | 2026-11-01 17:53 UTC | ok | 87b677ec75bc |