Rates & Fee Schedule
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Contact UsAccount Rates
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Savings Account Rates
Average Daily Balance Rate APY $0 – < $5,000 0% 0% $5,000 – < $10,000 0.25% 0% – 0.25% $10,000 or Higher 0.50% 0% – 0.50% Savings rates are tiered based on average daily balance. Rates are as of October 9, 2024 and are subject to change. Dividends are paid quarterly. -
Checking Account Rates
Average Daily Balance Rate APY $2,000 and above 0.05% 0.05% Rates are as of October 9, 2024 and are subject to change. Dividends are paid quarterly. -
IRA Rates (Traditional, Roth, & Education IRAs)
Average Daily Balance Rate APY $100 or higher 0.75% 0.75% Rates are as of October 9, 2024 and are subject to change. Dividends are paid quarterly. -
Money Market Account Rates
Average Daily Balance Rate APY $0 – $19,999.99 0.25% 0.25% $20,000 – <$50,000 1.49% 1.50% $50,000 – < $100,000 1.99% 2.00% $100,000 or higher 2.72% 2.75% Rates are as of October 9, 2024 and are subject to change. Dividends are paid quarterly. -
Certificate of Deposit Rates
Term Minimum Balance Rate APY 13 Month $25,000 4.53% 4.60% 21 Month $25,000 3.80% 3.85% 41 Month $10,000 3.55% 3.60% 15 Month JUMBO CD* $100,000 4.67% 4.75% 1 Year* $2,500 3.55% 3.60% 1 Year* $10,000 4.28% 4.35% 2 Years* $2,500 2.25% 2.27% 2 Years* $10,000 3.00% 3.03% 3 Years* $2,500 1.75% 1.76% 3 Years* $10,000 2.30% 2.32% 5 Years* $2,500 1.25% 1.26% 5 Years* $10,000 2.35% 2.37% *IRA CDs are also available at these current terms. Early Withdrawal Penalty: 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. Rates are as of October 9, 2024 and are subject to change. Dividends are paid quarterly.
Loan Rates
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Personal Loans
Personal Loans (No Collateral) Term Minimum Regular Rate Loyalty Rate* Up to 36 Months $5,000 10.24% 9.99% Up to 48 Months $5,000 11.24% 10.99% Up to 60 Months $5,000 12.24% 11.99% Up to 24 Months $500 13.99% 13.74% Up to 36 Months $500 14.99% 14.74% Share-Backed Loans Collateral Type Term Minimum Regular Rate Savings Account Up to 24 Months $500 3.00% Above Account Rate Money Market Account Up to 24 Months $500 3.00% Above Account Rate Certificate of Deposit Up to 24 Months $500 3.00% Above Account Rate Rates are as of October 9, 2024 and are subject to change. APR = Annual Percentage Rate. All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information. To view a copy of your credit report visit annualcreditreport.com *Loyalty Rates: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. -
Credit Cards
Card Type Variable Rate Gold Mastercard 10.50% Classic Mastercard 14.50% -
Vehicle Loans
New Vehicle Loans (2022 and Newer) Term Regular Rate Loyalty Rate* Up to 36 Months 5.49% 5.24% Up to 48 Months 5.74% 5.49% Up to 60 Months 5.99% 5.74% Up to 72 Months 6.24% 5.99% Up to 84 Months 6.49% 6.24% 2019 – 2021 Used Vehicle Loans Term Regular Rate Loyalty Rate* Up to 48 Months 5.99% 5.74% Up to 60 Months 6.74% 6.49% Up to 72 Months 6.99% 6.74% 2017 – 2018 Used Vehicle Loans Term Regular Rate Loyalty Rate* Up to 48 Months 7.49% 7.24% Up to 60 Months 7.99% 7.74% 2016 and Older Used Vehicle Loans Term Regular Rate Loyalty Rate* Up to 36 Months 8.49% 8.24% Rates are as of October 9, 2024 and are subject to change. APR = Annual Percentage Rate. All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information. To view a copy of your credit report visit annualcreditreport.com *Loyalty Rates: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. -
Home Equity Loans (Fixed Rate)
Term Regular Rate Loyalty Rate* 60 Months – 85% LTV 6.74% 6.49% 120 Months – 85% LTV 7.24% 6.99% 180 Months – 60% LTV 7.24% 6.99% 180 Months – 85% LTV 7.74% 7.49% LTV = “Loan-To-Value” Ratio
Add 2% for LTV above 85%Rates are as of October 9, 2024 and are subject to change. APR = Annual Percentage Rate. All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information. To view a copy of your credit report visit annualcreditreport.com *Loyalty Rates: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. -
Home Equity Lines of Credit (Variable Rate)
Term Rate Up to 85% LTV Based on Prime Rate Minus 0.50% LTV = “Loan-To-Value” Ratio Rates are as of October 9, 2024 and are subject to change. APR = Annual Percentage Rate. All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information. To view a copy of your credit report visit annualcreditreport.com *Loyalty Rates: Members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan qualify for a 0.25% rate discount on that loan. This discount cannot be combined with other rate discounts. -
Mortgages
Mortgage rates vary daily. Please contact our mortgage originator, Tim Wells with Premier Lending Alliance at:
Tim Wells, Mortgage Originator
NMLS #64375
timw@premierLA.org
515-867-2728
866-451-3273 Toll Free
Fee Schedule
Savings
| Closing Account Open Less Than 6 Months | $15.00 |
| Overdraft Transfer to Checking for ACH | 3 Free/mo. $4.00* ea. |
Checking
| Balance Checkbook | $25.00/hr* |
| Check Cashing Fee (Non-Members) | $5 or 1% up to $20.00 ea. |
| Check Copy Fee | $3.00* ea. |
| NSF Honored Items | $30.00 ea. |
| NSF Returned Items | $30.00 ea. |
| Overdraft Transfer from Savings for a Draft | 3 Free/mo. $4.00* ea. |
| Stop Payments (Per Item/Block of Checks) | $30.00* ea. |
Debit Cards & ATM Cards
| ATM Cash Withdrawals or Inquiries | 5 Free/mo. $1.00* ea. |
| Copy of a Sales Draft | $10.00* ea. |
| Payment by Phone Using Debit Card | $15.00 |
| Replace Lost, Stolen, Damaged Card Rush New Plastic Same-Day Rush New Plastic | $10.00* ea. $40.00 $75.00 |
Credit Cards
| Annual Fee | NONE |
| Balance Transfer Fee | NONE |
| Cash Advance | 3% |
| Late Fee | $15.00 |
| Over Limit Fee | $15.00 |
| Returned Payment Fee | $25.00 |
| Sales Draft Copy Fee | $10.00* ea. |
| Statement Copy Fee | $5.50* ea. |
| Payment by Phone Using Debit Card | $15.00 |
| Replace Lost, Stolen, Damaged Card Rush New Plastic | $10.00* ea. $40.00 |
General Services
| Account Research | $20.00*/hr. |
| Amortization Schedule | $2.00* ea. |
| Bad Address Fee | $5.00 ea. |
| Cashiers Check | $3.00 ea. |
| Coin Deposits over $200 | 1% |
| Check Collection | $25.00 ea. |
| Current Transaction Summary | $1.00* ea. |
| Copy of Past Statement | $4.00*/ea. |
| Delay-A-Pay (Loan Payments) | $30.00 ea. |
| Deposited Item Copy Fee | $3.00 ea. |
| Empty ATM Deposit Envelope Fee | $25.00 ea. |
| Extra Copies of 1099/1098 | $4.00* ea. |
| Fax -Local -Long Distance | $2+$1/pg. $4+$1/pg. |
| IRA Closure Before Age 59.5 | $25.00 |
| Garnishments/Levies | $25.00 |
| Loan Late Payment Fee | 5% of unpaid installment (up to $30) |
| Money Orders | $2.00 ea. |
| Notary Services (Non-Members) | $5.00 ea. |
| Return Deposit Item | $10.00 ea. |
| Wire Transfers -Incoming Wires -Sending Domestic -Sending International | $8.00 ea. $15.00 ea. $40.00 ea. |
Safe Deposit Boxes
| Box Size | Regular Rate | Loyalty Rate* |
| 3″H x 10″W | $45.00/yr. | $30.00/yr. |
| 5″H x 10″W | $60.00/yr. | $45.00/yr. |
| 10″H x 10″W | $100.00/yr. | $85.00/yr. |
Inactive Account Fee
Members 19yrs and older with only a savings, club, or checking account, an average balance below $200, and no activity in the last six months will be eligible for a $5/mo inactive fee.
| *These items are subject to 7% state sales tax. |
| This fee schedule is effective June 12, 2024 and is subject to change daily. Service fees and charges are subject to change as per Credit Union policy. Service fees and charges may be subject to a 7% sales tax. We reserve the right to at any time require not less than seven (7) days notice in writing before each withdrawal from a dividend-bearing account other than a time deposit, or from any other savings account as defined by federal Regulation D. Any fees charged by shared branches for member services or research will be passed through to the member and charged to the member's account at 100%. |