# Capitol Credit Union — products, rates and how to apply

Published 2026-11-06. Every rate below was confirmed by Capitol Credit Union's marketing team on the date shown beside it. Machine-readable version: https://onboard-staging.cotribute.co/agents/capitol-cu/products.json

## Checking accounts

### Free Kasasa Cash® Checking

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…

| | |
|---|---|
| Rate | 6.00% APY |
| 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 |
| Product page | https://www.ccutx.org/personal/personal-checking/free-kasasa-cash-checking |
| Apply online | https://onboard-staging.cotribute.co/flows/7d702de6-0d60-4d8c-8adf-547c7b52391b?utm_source=agent-reach&utm_medium=ai-assistant&utm_campaign=capitol-cu&utm_content=kasasa-cash-checking |

_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._

## Savings accounts

### Free Kasasa Saver®

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…

| | |
|---|---|
| Rate | 4.00% APY |
| 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 |
| Product page | https://www.ccutx.org/personal/personal-savings/free-kasasa-saver |
| Apply online | https://onboard-staging.cotribute.co/flows/7d702de6-0d60-4d8c-8adf-547c7b52391b?utm_source=agent-reach&utm_medium=ai-assistant&utm_campaign=capitol-cu&utm_content=kasasa-saver |

_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._

## Auto loans

### Auto Loans

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.

| | |
|---|---|
| Rate | 4.79% APR |
| 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 |
| Product page | https://www.ccutx.org/borrow/secured-loans/auto-loans |
| Apply online | https://onboard-staging.cotribute.co/flows/1ba0c227-f3a6-497c-947e-a9cf5f81e65f?utm_source=agent-reach&utm_medium=ai-assistant&utm_campaign=capitol-cu&utm_content=auto-loans |

_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._

## Disclosures

- Rates are subject to change without notice.