Credit union · NCUA insured
Capitol Credit Union Savings Rates
Top CarrotCapitol Credit Union’s best savings rate is 1.05% APY on $10,000, with its Plus Money Market Capitol Account. Rates checked October 16, 2026.
How Capitol Credit Union’s savings 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
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Kasasa Saver
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Capitol Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0001.05%
- $100,000 balance$100,0001.15%
- QualifiedQualified4.00%
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 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.
Kasasa Saver
Up to 4.00%APY
Links to free Kasasa Cash Back, Kasasa Cash, or Kasasa Play checking for automatic savings. $25 minimum deposit to open. No monthly maintenance fees. Qualifications per Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/debit, at least 12 debit card purchases post and settle, and enrolled in e-statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000When Kasasa checking qualifications are met. | 4.00% | $400 | When Kasasa checking qualifications are met. |
| Any balanceAll balances if qualifications not met on Kasasa checking. | 0.05% | $5 | All balances if qualifications not met on Kasasa checking. |
Plus Money Market Capitol Account
1.05%APY
Avoid the $10 monthly service fee by maintaining a $2,500 minimum balance. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $50,000Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. | 1.05% | $105 | Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. |
| $50,000 – $100,000Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. | 1.05% | — | Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. |
| $100,000 – $150,000Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. | 1.15% | — | Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. |
| $150,000 – $250,000Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. | 1.25% | — | Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. |
| $250,000 and upAvoid $10 monthly service fee by maintaining a $2,500 minimum balance. | 2.00% | — | Avoid $10 monthly service fee by maintaining a $2,500 minimum balance. |
Sources (3)
- ccutx.org/borrow/credit-cards/visa-platinum-credit-cards
- ccutx.org/personal/personal-sa…y-market-capitol-account
- ccutx.org/services/tools/rates
All captured Sep 17, 2026
Savings Accounts
0.01%APY
Establishes membership with Capitol Credit Union. $5 minimum deposit to open. Earns dividends on balances of $100 or more. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns competitive dividends on balances of $100 or more.Any balance | 0.01% | $1 | Earns competitive dividends on balances of $100 or more. |
Sources (3)
- ccutx.org/borrow/credit-cards/visa-platinum-credit-cards
- ccutx.org/personal/personal-savings
- ccutx.org/personal/personal-savings/capitol-savings
All captured Sep 17, 2026
Special-purpose accounts
Next Gen Youth Savings
2.00%APY
Youth account designed for teens (ages 10-18). Parent/joint member must be a CCU member in good standing and provide account as overdraft support. $5 opening deposit required to establish membership. Zero monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Tiered interest rate on Savings is 2% APY up to $20,000. | 2.00% | $200 | Tiered interest rate on Savings is 2% APY up to $20,000. |
| Over $20,000Tiered interest rate is 1% APY for balances above $20,000. | 1.00% | — | Tiered interest rate is 1% APY for balances above $20,000. |
IRA Savings Account
0.75%APY
Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. No minimum contribution requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Holiday Club Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
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.