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%
19-Month CD-Savings Combo2,4 1.88% 1.90%
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%

Rates are subject to change. Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Fees may reduce earnings. Other restrictions may apply.
1 Annual Percentage Yield (APY) effective as of 6/21/19. 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.
4 Fund a 19-month Combo CD and deposit up to a matching amount in a Combo savings account. After 19 months, the CD-Savings Combo balances move to an S1 savings account, which earns 0.05% APY as of 6/21/2019. If the savings balance exceeds the CD balance, the overage is moved to the member’s S1 savings account and incurs a balance transfer fee of $3 and any interest from the overage on the savings is forfeited. Offer may end at any time and without notice.

*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.