# Capital Credit Union (Wisconsin) CD and share certificate rates

As of October 22, 2026, Capital Credit Union (Wisconsin)'s highest tracked CD (share certificate) rate is 5.00% APY on a 10-month promotional CD ($5,000 minimum). That is 2.8 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.00% to 3.95% APY.

Canonical page: https://apyledger.com/cd-rates/capital-credit-union-wisconsin
Institution: Capital Credit Union (NCUA 66865)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:21.000Z (October 22, 2026)
Official source: https://www.capitalcu.com/certificates
Coverage: Membership required. Certificate specials (including a 10-month $5,000 offer) and standard certificates from 3 to 60 months with a $1,000 minimum. Dividends compound quarterly. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 3 months | $1,000 | 2.00% | Not ZIP-priced | −2.29% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Share Certificate | standard | 6 months | $1,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Certificate Special | promotional | 10 months | $5,000 | 5.00% | Not ZIP-priced | +0.49% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Share Certificate | standard | 12 months | $1,000 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Dream Builder Flex Certificate | standard | 12 months | $1 | 2.50% | Not ZIP-priced | −2.07% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Share Certificate | standard | 18 months | $1,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Share Certificate | standard | 24 months | $1,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Share Certificate | standard | 36 months | $1,000 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Share Certificate | standard | 48 months | $1,000 | 3.85% | Not ZIP-priced | −1.13% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |
| Share Certificate | standard | 60 months | $1,000 | 3.95% | Not ZIP-priced | −1.06% | 2026-10-22T16:21:21.000Z | [Snapshot 322](https://apyledger.com/snapshots/322) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.