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FAQs

Q.    What is a Credit Union?
A.    A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

Q.    What is unique about Capitol View Credit Union?
A.    Capitol View Credit Union that was established in 1944 by state employees and for state employees. Our dedication to state employees has remained a steadfast priority. We consider our members and fellow state employees our community and family. It is this great emphasis towards service that sets us apart from other banks and credit unions. Further, due to our size our members receive a larger dividend on their accounts than many competitors. Learn more about the Capitol View perspective...

Q.    Am I eligible to join Capitol View?
A.    Click here to learn about membership eligibility...

Q.    Do I have to have a savings account in order to have a checking account?
A.    Yes. Our savings accounts are required for all members and offer competitive dividends.

Q.    Can I have a Debit Card without checking account?
A.    No. Due to Federal Regulation D Savings accounts are limited in the number of transactions that can be made in a month. Because checking accounts allow an unlimited number of transactions we only offer Debit and ATM cards with our checking accounts.

Q.    Am I eligible for a Capitol View Gold MasterCard?
A.    Gold MasterCards are available to individuals earning more than $30,000 annually. All MasterCard applicants are subject to credit approval.

Q.    I was a member previously but closed my account. Can I rejoin?
A.    Yes. Once you become a member you are always a member. Capitol View will have the descretion to deny re-newing membership based on past account standing and history.

Have another question? Contact us at cvcu@dwx.com or by calling 515-725-2167.

 

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Local: 515-725-2167
Toll Free: 1-800-383-3595
24/7 Voice Response: 1-800-879-8350
Fax: 515-725-2196

Main Office
1000 East Grand Avenue
Des Moines, IA 50319

Capitol View Credit Union
Routing Number: 273074135

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