Credit union · NCUA insured
Capstone Federal Credit Union CD Rates
Capstone Federal Credit Union’s best CD rate is 4.59% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Capstone Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where Capstone Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Capstone Federal Credit Union
4.39%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,396
Certificates
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
Capstone Federal Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo4.02%
- 31–60 months31–60 mo4.28%
- QualifiedQualified4.28%
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 Capstone Federal 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.
Certificates
Up to 4.39%APY · 9 terms
Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
| Term | APY · $1,000 and up | APY · $1,000 – $75,000 | APY · Over $75,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3–5 monthsTerm is 90 to 179 Days | 2.02% | — | — | 2.02% | $50 |
| 6–12 monthsTerm is 180 to 364 Days | 2.53% | — | — | 2.53% | $126 |
| 12 months | 3.82% | — | — | 3.82% | $382 |
| 18 months | 3.87% | — | — | 3.87% | $586 |
| 24 months | 3.97% | — | — | 3.97% | $810 |
| 30 months | 4.02% | — | — | 4.02% | $1,036 |
| 36 months: add .20% on jumbo certificates over $75,000.00 | — | — | 4.28% | —4.28% from $75k | — |
| 36 monthsStandard tier for balances up to $75,000 | — | 4.07% | — | 4.07% | $1,271 |
| 48 months: add .20% on jumbo certificates over $75,000.00 | — | — | 4.49% | —4.49% from $75k | — |
| 48 monthsStandard tier for balances up to $75,000 | — | 4.28% | — | 4.28% | $1,825 |
| 60 months: add .20% on jumbo certificates over $75,000.00 | — | — | 4.59% | —4.59% from $75k | — |
| 60 monthsStandard tier for balances up to $75,000 | — | 4.39% | — | 4.39% | $2,396 |
Sources (1)
- capstonefcu.coop/rates · captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 4.39%APY · 9 terms
Also available as IRA certificates. Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
| Term | APY · $1,000 and up | APY · $1,000 – $75,000 | APY · Over $75,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3–5 monthsTerm is 90 to 179 Days | 2.02% | — | — | 2.02% | $50 |
| 6–12 monthsTerm is 180 to 364 Days | 2.53% | — | — | 2.53% | $126 |
| 12 months | 3.82% | — | — | 3.82% | $382 |
| 18 months | 3.87% | — | — | 3.87% | $586 |
| 24 months | 3.97% | — | — | 3.97% | $810 |
| 30 months | 4.02% | — | — | 4.02% | $1,036 |
| 36 months: add .20% on jumbo certificates over $75,000.00 | — | — | 4.28% | —4.28% from $75k | — |
| 36 monthsStandard tier for balances up to $75,000 | — | 4.07% | — | 4.07% | $1,271 |
| 48 months: add .20% on jumbo certificates over $75,000.00 | — | — | 4.49% | —4.49% from $75k | — |
| 48 monthsStandard tier for balances up to $75,000 | — | 4.28% | — | 4.28% | $1,825 |
| 60 months: add .20% on jumbo certificates over $75,000.00 | — | — | 4.59% | —4.59% from $75k | — |
| 60 monthsStandard tier for balances up to $75,000 | — | 4.39% | — | 4.39% | $2,396 |
Sources (1)
- capstonefcu.coop/rates · captured Oct 6, 2026
Who can join Capstone Federal Credit Union
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