Find your dream home with Capitol Credit Union
Come for the tech, stay for Town Lake. Our low rates and local mortgage experts will make sure you love where you live.
Benefits You'll Love
- Personalized service
- Earn Cash Rewards* at closing
- Powerful home search tools
- Get pre-approved online or by phone
- Receive exceptional customer service with a focus on building long-term relationships, not just completing a transaction.
- Experience faster approval times with decisions made locally by people who understand your community.
- Connect with a local, pre-screened, certified HomeAdvantage real estate agent.
- Everything you need to search, buy, and save on your next home – all in one place.
- Competitively low rates for home purchase, refinance, or construction
- Available for primary residence, second homes, vacation homes, or investment properties
- Several financing programs available:
- Fixed rate mortgages
- Adjustable rate mortgages (ARMs)
- USDA Rural Housing Loans
- FHA Loans
- VA Construction Loans
CCU partners with HomeAdvantage to bring you the optimal home experience:
- Get Cash Rewards* when you close using a HomeAdvantage Network Agent.
- Calculate how much your home is worth, estimated monthly payments, and your cash reward.
- Access to monthly real estate reports taylored to your preferences.
- Search for your dream home and view the estimated cash rewards right in the search results!
*You must use a participating agent in the HomeAdvantage network to be eligible to receive the financial benefit, HomeAdvantage Cash Rewards. Your choice of lender is independent of Cash Rewards. If you already have an agent, they may be eligible to participate in the HomeAdvantage program. Cash Rewards are not provided by agents in the network, but directly through HomeAdvantage.
Restrictions may apply. Loans are subject to credit and property approval. Programs and guidelines are subject to change without notice. Rates change daily. Certain restrictions and guidelines may apply. First Mortgage services provided by our partner Member First Mortgage NMLS #149532. Corporate Office located at 616 44th St SE, Grand Rapids, MI 49548.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 66 months | as low as 5.89% | $17.89 |
| up to 72 months | as low as 6.39% | $16.87 |
| up to 84 months | as low as 6.89% | $15.02 |
Business Plus Checking
| Balance | Annual Percentage Yield (APY) |
|---|---|
| 0 - $2,499.99 | - |
| $2,500 - $49,999.99 | 0.65% |
| $50,000 - $99,999.99 | 0.75% |
| $100,000 - $149,999.99 | 0.85% |
| $150,000 - $249,999.99 | 0.95% |
| $250,000+ | 1.70% |
Business Savings
| Balance | Annual Percentage Yield (APY) |
|---|---|
| 0 - $2,499.99 | 0.05% |
| $2,500 - $49,999.99 | 1.05% |
| $50,000 - $99,999.99 | 1.05% |
| $100,000 - $149,999.99 | 1.15% |
| $150,000 - $249,999.99 | 1.25% |
| $250,000+ | 2.00% |
Home Equity Loans
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 60 months | as low as 5.49% | $19.27 |
| up to 120 months | as low as 5.79% | $11.16 |
| up to 180 months | as low as 5.99% | $8.64 |
| up to 240 months | as low as 6.49% | $7.62 |
IRA Share Certificates: $1,000.00 or Greater
| Certificate Term | Dividend Rate |
|---|---|
| 3 Month IRA Certificate | 3.00% |
| 6 Month IRA Certificate |
4.00% |
| 12 Month IRA Certificate | 4.45% |
| 18 Month IRA Certificate | 4.35% |
| 24 Month IRA Certificate | 4.00% |
| 36 Month IRA Certificate | 3.75% |
| 48 Month IRA Certificate | 3.50% |
| 60 Month IRA Certificate | 3.50% |
Membership Required. Rates subject to change without notice. $1,000 minimum opening deposit required. Only New money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty will apply. Early withdrawals may result in penalties. Terms of less than 12 months lose 90 days’ interest. Terms 12 months to less than 36 months lose 180 days’ interest. Terms of 36 months or longer lose 270 days’ interest. The penalty will be deducted from earnings and may reduce principal balance. New money is defined as money not currently on deposit with Capitol Credit Union.
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| 0 - $15,000.00 | 5.84% | 6.00% |
| $15,000.01+ | 1.00% | 6.00% to 1.65% |
| All balances if qualifications not met | 0.05% | 0.05% |
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| 0 - $100,000 | 3.93% | 4.00% |
| $100,000+ | 1.08% | 4.00% to 1.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
Lines of Credit/Credit Card
| Product | Term | Annual Percentage Rate | Minimum Payment |
|---|---|---|---|
| Personal Line of Credit | Revolving | as low as 10.99% | $25.00 |
| Visa Classic Credit Card | Revolving | as low as 10.99% | Greater of 3% of balance or $30.00 |
| Visa Capitol Rewards Credit Card | Revolving | as low as 11.99% | Greater of 3% of balance or $30.00 |
Non-collateralized Loans
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 60 months | as low as 10.99% | $21.41 |
| up to 72 months | as low as 11.99% | $19.17 |
| up to 84 months | as low as 12.99% | $17.72 |
Other Collateralized Loans (Boat, Motorcycle, Camper, ATV, Etc.)
| Term | Annual Percentage Rate | Payment Per $1000 |
|---|---|---|
| up to 60 months | as low as 7.29% | $20.04 |
| up to 72 months | as low as 7.79% | $17.54 |
| up to 84 months | as low as 8.29% | $15.84 |
| up to 120 months | as low as 8.79% | $12.67 |
| up to 180 months | as low as 9.29% | $10.45 |
Plus Money Market
| Balance | Annual Percentage Yield (APY) |
|---|---|
| 0 - $2,499.99 | - |
| $2,500 - $49,999.99 | 1.05% |
| $50,000 - $99,999.99 | 1.05% |
| $100,000 - $149,999.99 | 1.15% |
| $150,000 - $249,999.99 | 1.25% |
| $250,000+ | 2.00% |
Savings Accounts
| Account Type | Annual Percentage Yield (APY) |
|---|---|
| Savings Accounts | 0.01% |
| IRA Savings Account | 0.75% |
| Holiday Club Account | 0.10% |
Secured Loans
| Source | Annual Percentage Rate | Term |
|---|---|---|
| Share Account | 5.00% | up to 84 months |
Payment example: pay just $13.91/month for every $1000 borrowed at 5.00% APR on an 84 month term.
Share Certificates: $1,000.00 or Greater
| Certificate Term | Annual Percentage Yield (APY) |
|---|---|
| 3 Month Certificate | 3.00% |
| 6 Month Certificate | 4.00% |
| 12 Month Certificate | 4.45% |
| 18 Month Certificate | 4.35% |
| 24 Month Certificate | 4.00% |
| 36 Month Certificate | 3.75% |
| 48 Month Certificate | 3.50% |
| 60 Month Certificate | 3.50% |
Membership Required. Rates subject to change without notice. $1,000 minimum opening deposit required. Only New money eligible for promotional rate. CD will auto renew at standard rate at maturity unless otherwise stated. Early withdrawal penalty will apply. Early withdrawals may result in penalties. Terms of less than 12 months lose 90 days’ interest. Terms 12 months to less than 36 months lose 180 days’ interest. Terms of 36 months or longer lose 270 days’ interest. The penalty will be deducted from earnings and may reduce principal balance. New money is defined as money not currently on deposit with Capitol Credit Union.
