Terms & Conditions

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Credit card interest rates and charges

Annual Percentage Rate For Purchases, Balance Transfers, and Cash Advances (APR)

10.50% with Gold MasterCard when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

14.50% with Classic MasterCard when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $0.50.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using credit, visit the Consumer Financial Protection Bureau’s website.

Fees

Annual Fee

Balance Transfer
Cash Advance
Foreign Transaction

Late Payment
Return Payment

None

None

3% of the amount of the cash advance
1% of each transaction in U.S. dollars

Up to $15
Up to $25

$10 per replacement card

Card Replacement Fee

Insert fee tables here

We use a method called “average daily balance (including new purchases)” to calculate your balance. The information about the cards described above is accurate as of April 9, 2020. Rates are as of November 8, 2023, 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. Cash advance fees may apply.

  1. Mastercard ID Theft Protection TM: Monitors your credit file for fraud, receive alert notifications about suspicious activity, and gets assistance from a resolution specialist. Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Iris (R) Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.
  2. Mastercard Zero Liability Protection: Whether you pay in store, over the phone, or online, you’re not responsible if someone makes an unauthorized purchase with your card. Conditions and exceptions apply. Learn more.

To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Enter the term, rate, and either the payment or loan amount - the other will be calculated for you.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

You've seen all the low rates the auto dealers have been offering if you finance your new vehicle with them, but is this the best deal for you?

If you were to take the rebate, apply it to the cost of the vehicle and borrow the rest of the money from us, chances are your payment would be lower and you would save interest as well.

Fill out the form below using the cost of the vehicle, the total rebate, the dealer's interest rate, Credit Union's interest rate, and the length of the loan. Estimated payments will be calcualted, depending on where you borrow the money.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

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