Credit union · NCUA insured
Capitol View Credit Union CD Rates
Capitol View Credit Union’s best CD rate is 3.85% APY on a 15-month share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Capitol View Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Capitol View Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Capitol View Credit Union
3.45%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $345
Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Capitol View Credit Union CD score
67
CD score
Higher than 20% of U.S. banks and credit unions
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.70%
- QualifiedQualified3.45%
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 View 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.
Certificate of Deposit
Up to 3.45%APY · 8 terms
Certificates are subject to early withdrawal penalties of 90 days interest for terms 12 months or less and 180 days interest for terms greater than 12 months. Dividends are paid quarterly.
| Term | APY · $2,500 and up | APY · $10,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 2.70% | 3.45% | — | — | 2.70%3.45% from $10k | $270 |
| 13 months | — | — | 3.70% | — | —3.70% from $25k | — |
| 15 monthsJUMBO CD | — | — | — | 3.85% | —3.85% from $100k | — |
| 21 months | — | — | 2.95% | — | —2.95% from $25k | — |
| 24 months | 2.27% | 3.03% | — | — | 2.27%3.03% from $10k | $459 |
| 36 months | 1.76% | 2.32% | — | — | 1.76%2.32% from $10k | $537 |
| 41 months | — | 2.70% | — | — | 2.70% | $953 |
| 60 months | 1.26% | 2.37% | — | — | 1.26%2.37% from $10k | $646 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA CD
Up to 3.45%APY · 5 terms
IRA CDs are available at the terms indicated with an asterisk (*). Certificates are subject to early withdrawal penalties of 90 days interest for terms 12 months or less and 180 days interest for terms greater than 12 months. Early IRA closure before age 59.5 incurs a $25.00 fee. Dividends are paid quarterly.
| Term | APY · $2,500 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 2.70% | 3.45% | — | 2.70%3.45% from $10k | $270 |
| 15 monthsJUMBO CD | — | — | 3.85% | —3.85% from $100k | — |
| 24 months | 2.27% | 3.03% | — | 2.27%3.03% from $10k | $459 |
| 36 months | 1.76% | 2.32% | — | 1.76%2.32% from $10k | $537 |
| 60 months | 1.26% | 2.37% | — | 1.26%2.37% from $10k | $646 |
Sources (3)
All captured Sep 18, 2026
Who can join Capitol View Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- City Government Employees in Iowa are eligible for membership.
- County Government Employees in Iowa are eligible for membership.
- Federal Government Employees in Iowa are eligible for membership.
- Retired or former public employees are eligible to join with documentation of prior employment.
- Public School District Employees in Iowa are eligible for membership.
- State of Iowa Employees are eligible for membership.
2 more ways to join
Family and household
- Family members and household members of existing Capitol View members qualify for membership.
Other ways
- Former members who previously closed their account can rejoin if they have closed their accounts only once.
Cost to join
- All members are required to maintain a $25 minimum Savings account balance.
Membership information collected October 4, 2026.