Credit union · NCUA insured
Capitol Credit Union CD Rates
Top CarrotCapitol Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Capitol Credit Union’s CD rates compare
Compared with banks and credit unions near Austin, TX, where Capitol Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Capitol Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
Share Certificates
Top rate
First National Bank of Bastrop
5.00%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $289
2nd-highest rate
Austin Capital Bank
4.58%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $113
Capitol Credit Union CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.75%
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 Capitol Credit Union 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.
Share Certificates
Up to 3.75%APY · 8 terms
Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. No setup or maintenance fees. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest; 12 months to less than 36 months lose 180 days' interest; 36 months or longer lose 270 days' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.00% | $74 |
| 6 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.65% | $181 |
| 12 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.75% | $375 |
| 18 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.75% | $568 |
| 24 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.70% | $754 |
| 36 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.60% | $1,119 |
| 48 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.55% | $1,497 |
| 60 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.50% | $1,877 |
Sources (2)
- ccutx.org/borrow/credit-cards/visa-platinum-credit-cards
- ccutx.org/personal/personal-savings/share-certificates
All captured Sep 17, 2026
Special-purpose accounts
Next Gen Certificate of Deposit
3.92%APY · 1 term
Parent must be member and have their account as overdraft support for youth. Only one Next Gen CD per membership allowed. Funds can be deposited to the CD at any time. Interest earnings are deposited back to the Savings account monthly. Early withdrawal penalty of 90 days interest applies for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum deposit amount of $10,000. Interest earnings deposited back to savings monthly. Additional funds can be added throughout lifespan | 3.92% | $392 |
Sources (3)
- ccutx.org/personal/next-gen-youth
- ccutx.org/personal/next-gen-youth/next-gen-accounts
- ccutx.org/personal/personal-ch…/next-gen-youth-checking
All captured Sep 17, 2026
IRA Share Certificates
Up to 3.82%APY · 8 terms
Membership required. $1,000 minimum opening deposit required. Only new money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty applies: terms less than 12 months lose 90 days' interest; 12 months to less than 36 months lose 180 days' interest; 36 months or longer lose 270 days' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.05% | $75 |
| 6 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.72% | $184 |
| 12 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.82% | $382 |
| 18 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.82% | $578 |
| 24 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.77% | $768 |
| 36 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.67% | $1,142 |
| 48 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.61% | $1,524 |
| 60 monthsPromotional rate requires new money (money not currently on deposit with Capitol Credit Union) | 3.56% | $1,911 |
Sources (1)
- ccutx.org/borrow/credit-cards/visa-platinum-credit-cards · captured Sep 17, 2026
Who can join Capitol Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Travis County, as well as any business located in the County, is eligible for membership.
Cost to join
- A minimum required Share Deposit of $5.00 is required.
Membership information collected October 5, 2026.