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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Capital Credit Union Rates & Review September 2026Capital Credit Union's 12-Month CD rates are at 4.15%, 12-Month Special CD rates are at 4.15%, 6-Month CD rates are at 4.15%, 6-Month Special CD rates are at 4.15%, 12-Month CD 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 12.00%. 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 09/14/2026. 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.
Capital Credit Union CD Rates
Capital Credit Union Savings Rates
Capital Credit Union Money Market Rates
Capital Credit Union Checking Rates
Capital Credit Union Home Equity & HELOC
Capital Credit Union Auto Loan Rates
Capital Credit Union Personal Loan Rates
Capital Credit Union Other Rates
Financial Health HistoryCapital 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. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Website
https://www.capcu.org
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
FinancialsMonitorBankRates 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
Customer Reviews
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Frequently Asked Questions About Capital Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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