Certificate Rates

Take your pick. We promise we'll pay more than our fair share.

Remember back in school when you took multiple-choice tests? Wouldn't it have been great if all the listed answers were correct? Good news. In the real world, Capital Credit Union offers many Certificate of Deposit options, ranging from 3 months to 5 years. No matter which one you choose, you're sure to get great returns on your investment.

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Effective February 22, 2019

The rates, fees and charges applicable to your account at Capital Credit Union are provided below. Capital Credit Union may offer rates or amend the rates for these accounts from time to time.
TRUTH-IN-SAVINGS DISCLOSURES
FEE SCHEDULE
 

Regular/IRA Certificates of Deposit

Term Rate1 Annual Percentage Yield1
$500 Minimum Balance
6-Month 0.10% 0.10%
12-Month 0.15% 0.15%
24-Month 0.20% 0.20%
36-Month 0.35% 0.35%
$2,500 Minimum Balance
3-Month 0.35% 0.35%
6-Month 0.50% 0.50%
9-Month 0.55% 0.55%
12-Month 0.60% 0.60%
15-Month 2.23% 2.25%
18-Month 0.90% 0.90%
24-Month 0.95% 0.95%
25-Month 2.37% 2.40%
36-Month 2.08% 2.10%
48-Month Bump-A-Rate2 2.13% 2.15%
54-Month Bump-A-Rate3 1.98% 2.00%
60-Month 2.72% 2.75%
61-Month Bump-A-Rate3 2.08% 2.10%


1 A member with a good standing Classic Checking account can be granted a CD bump of .10% APY upon request at CD opening or renewal.
2 The CD bump of .10% APY is not available on any special CD rate offer.
3 CD term currently unavailable. 
Penalties will reduce earnings.

*Annual Percentage Yield Range

TRADITIONAL IRA SHARE (S20), ROTH IRA SHARE (S23, S24), EDUCATION SHARE (S22)
Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, but less than $19,999.99 with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $20,000, but less than $49,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.08% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $50,000, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.08% to 0.10% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $250,000, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.10% to 0.10% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $500,000, with a prospective annual percentage yield ranging from 0.10% to 0.10%* depending on the balance in the account, for this dividend period.