Credit union · NCUA insured
Capital Credit Union of North Dakota CD Rates
Top CarrotCapital Credit Union of North Dakota’s best CD rate is 4.15% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Capital Credit Union of North Dakota’s CD rates compare
Compared with banks and credit unions near Bismarck, ND, where Capital Credit Union of North Dakota has the most branches. $10,000, best rate first.
This credit union’s best
Capital Credit Union of North Dakota
4.15%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $205
6-Month Special Certificate of Deposit
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
Capital Credit Union of North Dakota CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Capital Credit Union of North Dakota ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
12-Month Special Certificate of Deposit
4.15%APY · 1 term
Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 12 months, balance automatically rolls into a regular 12-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires 100% new money. Automatically rolls over into a regular 12-Month CD at maturity | 4.15% | $415 |
Sources (1)
- capcu.org/personal/services-tools/rates/deposit-rates · captured Sep 19, 2026
6-Month Special Certificate of Deposit
4.15%APY · 1 term
Requires minimum balance of $500 and 100% of deposit in new money (funds not currently held by Capital Credit Union in any share or deposit account). After 6 months, balance automatically rolls into a regular 6-Month CD at advertised rate. Early withdrawal penalties apply. Offer expires when limit is reached.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires 100% new money. Automatically rolls over into a regular 6-Month CD at maturity | 4.15% | $205 |
Certificate of Deposit
Up to 3.75%APY · 8 terms
Membership eligibility applies (living within specified mileage of branch locations or immediate family member of resident). $500 minimum balance required. Penalty applies for early withdrawal. Rates accurate as of Aug. 1, 2026. Classic Checking members in good standing may request a 0.10% APY CD bump at opening/renewal (not available on specials).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.55% | $88 |
| 6 months | 3.75% | $186 |
| 9 months | 3.75% | $280 |
| 12 months | 3.75% | $375 |
| 18 months | 3.00% | $453 |
| 24 months | 2.95% | $599 |
| 36 months | 2.50% | $769 |
| 60 months | 3.00% | $1,593 |
Who can join Capital Credit Union of North Dakota
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.