Credit union · NCUA insured
Capital Credit Union of North Dakota Savings Rates
Top CarrotCapital Credit Union of North Dakota’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Capital Credit Union of North Dakota’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Dacotah Bank
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
Capital Credit Union of North Dakota savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0001.61%
- $10,000 balance$10,0001.61%
- $100,000 balance$100,0003.04%
- QualifiedQualified1.61%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Growth Savings
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.00% | $0 |
| $50,000 and up | 3.04% | — |
Sources (2)
All captured Oct 22, 2026
Money Market Account
0.50%APY
Must qualify for membership: live within 75 miles of Bismarck, Fargo, Hazen or Flasher; 50 miles of Beulah or New Salem; or have an immediate family member who lives within 50 miles of Bismarck. Regular monthly fee of $10 applies if account balance falls below $2,500 minimum. Must maintain $2,500 minimum account balance to earn dividends. Preauthorized or automatic transfers limited to six per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 0.20% | — | Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
| $10,000 – $24,999Stated APY range is 0.20%-0.38%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 0.50% | $50 | Stated APY range is 0.20%-0.38%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
| $25,000 – $49,999Stated APY range is 0.38%-0.44%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 0.50% | — | Stated APY range is 0.38%-0.44%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
| $50,000 – $99,999Stated APY range is 0.44%-0.50%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 0.55% | — | Stated APY range is 0.44%-0.50%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
| $100,000 – $249,999Stated APY range is 0.50%-1.11%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 1.51% | — | Stated APY range is 0.50%-1.11%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
| $250,000 – $499,999Stated APY range is 1.11%-1.44%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 1.77% | — | Stated APY range is 1.11%-1.44%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
| $500,000 – $999,999Stated APY range is 1.44%-1.23%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 1.01% | — | Stated APY range is 1.44%-1.23%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
| $1,000,000 – $1,500,000Stated APY range is 1.23%-1.15%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. | 1.01% | — | Stated APY range is 1.23%-1.15%. Must maintain $2,500 minimum account balance to earn dividends; $10 fee per month if balance falls below $2,500. |
Sources (3)
- capcu.org/personal/savings/money-market
- capcu.org/about/disclosures/truth-in-savings
- capcu.org/personal/services-tools/rates/deposit-rates
All captured Oct 22, 2026
Thrive Savings
1.61%APY on $10,000
Limit of five (5) Thrive Savings Accounts per membership number. Average daily balance must be at least $1,000 to earn dividends.
| Part of the balance | Rate on that part |
|---|---|
| Up to $20,000 | 1.60% |
| Over $20,000 | 0.05% |
On $10,000 the tiers blend to about 1.61% APY, earning $161 a year.
Secondary Share
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to all amounts.Any balance | 0.05% | $5 | Applies to all amounts. |
Sources (1)
- capcu.org/personal/services-tools/rates/deposit-rates · captured Oct 22, 2026
Transactional Account
0.05%APY
All amounts earn 0.05% APY / dividend rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- capcu.org/personal/services-tools/rates/deposit-rates · captured Oct 22, 2026
CU Save
0.04%APY on $10,000
Boost savings via debit card round ups and automatic transfers. Requires $15 minimum monthly automatic deposit. One free withdrawal per month; beyond that, $5 fee per withdrawal unless transferring to CD or Money Market. $25 early account closing fee.
| Part of the balance | Rate on that part |
|---|---|
| $2,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.04% APY, earning $4 a year.
Regular Share
0.04%APY on $10,000
Must maintain a $25 minimum account balance ($100 if this is your only Capital Credit Union account) to maintain membership.
| Part of the balance | Rate on that part |
|---|---|
| $2,000 – $10,000 | 0.05% |
| $10,000 and up | 0.05% |
On $10,000 the tiers blend to about 0.04% APY, earning $4 a year.
Special-purpose accounts
Pee Wee Young Savers Club Account
0.05%APY
For kids up to age 12. Requires $25 minimum account balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn up to 0.05% APY.Any balance | 0.05% | $5 | Earn up to 0.05% APY. |
Sources (2)
All captured Oct 22, 2026
Education Share
0.04%APY on $10,000
Shares tiering schedule with Traditional IRA Share.
| Part of the balance | Rate on that part |
|---|---|
| $2,500 – $10,000 | 0.05% |
| $10,000 – $20,000 | 0.05% |
| $20,000 – $500,000 | 0.05% |
| $50,000 – $250,000 | 0.05% |
| $250,000 – $500,000 | 0.05% |
| $500,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.04% APY, earning $4 a year.
Sources (1)
- capcu.org/about/disclosures/tiering-method · captured Oct 22, 2026
Roth IRA Share
0.04%APY on $10,000
Shares tiering schedule with Traditional IRA Share.
| Part of the balance | Rate on that part |
|---|---|
| $2,500 – $10,000 | 0.05% |
| $10,000 – $20,000 | 0.05% |
| $20,000 – $50,000 | 0.05% |
| $50,000 – $250,000 | 0.05% |
| $250,000 – $500,000 | 0.05% |
| $500,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.04% APY, earning $4 a year.
Sources (1)
- capcu.org/about/disclosures/tiering-method · captured Oct 22, 2026
Traditional IRA Share
0.04%APY on $10,000
| Part of the balance | Rate on that part |
|---|---|
| $2,500 – $10,000 | 0.05% |
| $10,000 – $20,000 | 0.05% |
| $20,000 – $50,000 | 0.05% |
| $250,000 – $500,000 | 0.05% |
| $500,000 and up | 0.10% |
On $10,000 the tiers blend to about 0.04% APY, earning $4 a year.
Sources (2)
All captured Oct 22, 2026
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.