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Capitol Credit Union

Products, rates and how to apply · Published 2026-11-06

Checking accounts

Free Kasasa Cash® Checking

6.00% APY

A free rewards checking account that pays high dividends on qualifying balances when monthly qualifications are met.

Best for: Turn your checking balance into an earner—meet simple monthly qualifications to earn 6.00% APY on balances up to $15,000, plus up to $15/month in nationwide AT…

  • Eligibility: Personal accounts. Membership: $25 minimum deposit required to open. Limit 1 account per social security number / individual taxpayer identification number. Qualifications include at least one monthly direct deposit/ACH credit and/or debit, at least 12 debit card purchas
  • Confirmed as of: 2026-11-06

APY = Annual Percentage Yield. 6.00% APY paid on balances up to $15,000 and 0.25% APY on the portion above $15,000 when monthly qualifications are met; 0.01% APY on all balances if qualifications are not met. Rates may change after the account is opened. Minimum $25 to open. Membership required. Federally insured by NCUA.

Apply online

Savings accounts

Free Kasasa Saver®

4.00% APY

A high-yield savings account that links to a qualifying Kasasa checking account for automatic savings.

Best for: Pair Free Kasasa Saver with a qualifying Kasasa checking account to earn up to 4.00% APY on balances up to $100,000, with no monthly maintenance fees and easy…

  • Eligibility: Personal accounts. Membership: $25 minimum deposit to open. Must be linked to a Kasasa Cash, Kasasa Cash Back, or Kasasa Play checking account.
  • Confirmed as of: 2026-11-06

APY = Annual Percentage Yield. 4.00% APY paid on balances up to $100,000 and 1.08% rate on the portion above $100,000 when the linked Kasasa Cash checking account's monthly qualifications are met; 0.05% APY on all balances if qualifications are not met. Requires a linked Kasasa Cash account. Rates may change after the account is opened. Membership required. Federally insured by NCUA.

Apply online

Auto loans

Auto Loans

4.79% APR

Auto financing for new or used vehicles with competitive rates and flexible terms, with local Central Texas decision-making.

Best for: Get on the road with CCU Auto Loans—competitive APRs and terms up to 84 months, with local Central Texas decisions and easy online or phone applications.

  • Term: 5 years
  • Eligibility: Personal accounts. Membership: Capitol Credit Union membership required. All loans subject to credit approval. 3.99% is for a 36 month term, new loans only; existing CCU loans are not eligible. New money only. Collateral subject to approval.
  • Confirmed as of: 2026-11-06

APR = Annual Percentage Rate. Rates as low as 4.79% APR for terms up to 60 months on new and used vehicles (as low as 3.99% APR up to 36 months and 4.59% APR up to 48 months; 3.99% applies to new loans and is not available for in-house refinances). Your rate is based on creditworthiness, loan term, vehicle age and loan-to-value, and may be higher. Rates subject to change without notice. Membership required.

Apply online