Deposit Rates

You put some money in your credit union account? Great, so did we.

Large or small, every task is easier when you have a little help. So when you're working hard to save for your future, we're happy to pitch in. You get things started by making deposits in your Capital Credit Union accounts, and we'll finish the job with great rates for our members in North Dakota and Minnesota.

Effective October 1, 2018

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

Savings

Account Type Minimum Tier Rate APY*
Regular Shares (Savings S1) $25 $0 - 1,999.00 0.05% 0.05%
Regular Shares (Savings S1) $25 $2,000 - 9,999.99 0.05% 0.05% - 0.05%
Regular Shares (Savings S1) $25 $10,000+ 0.05% 0.05% - 0.05%
Special Shares (S2, S30, S32) None All amounts 0.05% 0.05%
Combo CD $2,500 1.83% 1.85%
Home Sweet Home Club (S31) None All amounts 0.05% 0.05%
CU Save (S50) None $0 - 499.99 0.05% 0.05%
CU Save (S50) None $500 - 999.99 0.05% 0.05% - 0.05%
CU Save (S50) None $1,000 - 1,999.99 0.05% 0.05% - 0.05%
CU Save (S50) None $2,000+ 0.05% 0.05% - 0.05%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $0 - 2,499.99 0.05% 0.05%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $2,500 - 9,999.99 0.05% 0.05%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $10,000 - 19,999.99 0.05% 0.05% - 0.05%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $20,000 - 49,999.99 0.10% 0.05% - 0.08%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $50,000 - 249,999.99 0.10% 0.08% - 0.10%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $250,000 - 499,999.99 0.10% 0.10% - 0.10%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None $500,000+ 0.10% 0.10% - 0.10%
Transactional Account (S5) None All amounts 0.05% 0.05%
Business Transactional Account (S16) None All amounts 0.05% 0.05%

Money Market

Account Type Minimum Tier Rate APY*
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $0 - 9,999.99 0.250% 0.25%
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $10,000 - 25,000 0.300% 0.25% - 0.28%
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $25,001 - 49,999.99 0.400% 0.28% - 0.34%
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $50,000 - 99,999.99 0.500% 0.34% - 0.42%
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $100,000 - 249,999.99 0.750% 0.42% - 0.62%
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $250,000 - 499,999.99 1.250% 0.62% - 0.94%
Money Market (S3, S4, S40) $2,500 (must maintain minimum to earn dividends) $500,000+ 1.250% 0.94% - 1.05%

Checking

Account Type Minimum Tier Rate APY*
Simple Checking (S14) None All amounts None None
Edge (S10) None All amounts None None
Classic Checking (S7)1 $2,500 minimum deposit balance or total loans of $40,000 or more to avoid fee No dividend will be paid below $2,500
Classic Checking (S7)1 $2,500 minimum deposit balance or total loans of $40,000 or more to avoid fee $2,500 - 24,999.99 1.0% 0.00% - 1.0%
Classic Checking (S7)1 $2,500 minimum deposit balance or total loans of $40,000 or more to avoid fee $25,000+ 0.05% 0.00% - 0.05%
Business Checking (S12, S15) $500 No dividend will be paid on the minimum balance.
Business Checking (S12, S15) $500 $500+ 0.05% 0.00% - 0.05%
Share Draft (S11, S19) None All amounts None None

*Annual Percentage Yield

1Dividends paid at 1% Annual Percentage Yield to Classic Checking account holders on balances of $25,000 or less, and 0.05% APY for any balance above ­$25,000, who meet all of the following requirements: 1) must be a member in good standing, 2) have 12 or more qualifying transactions that post and clear each month during the qualification period on their Capital Credit Union debit or credit card, and 3) maintain a minimum average daily balance of $2,500­ in the Classic Checking account. If all requirements are not met, dividends will be paid at 0.05% APY, as long as the minimum average daily balance requirement of ­$2,500 is met. No dividends will be paid for accounts failing to meet the minimum average daily balance requirement. Dividends will be deposited into the checking account on the last day of the month in which the qualification period ends. Qualifying transactions include debit or credit card purchases but do not include ATM transactions. The qualification period is defined as the first through the last day of the calendar month. Transactions may take one or more business days from the date the transaction was made to post to the checking account. Rates are subject to change. High yield rate incentive is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.

Annual Percentage Yield Range

REGULAR SHARES (Savings S1)
Tier 1: If your daily balance is $1,999.99 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 $2,000, 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, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

CU SAVE (S50)
Tier 1: If your daily balance is $1,999.99 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 $2,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

MONEY MARKET (S3)
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.

PREMIUM MONEY MARKET (S4)
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. * The top end of the last tier is figured on a $750,000 balance.

CLASSIC CHECKING
Tier 1: The prospective dividend rate on your account is 1.00% and will be paid only on the portion of your daily balance that is greater than $2,500 but less than $25,000, if the following qualifications are met: (1) must be a member in good standing, (2) have 12 or more qualifying transactions that post and clear during each monthly qualification period on their Capital Credit Union debit or credit card and (3) maintain a minimum average daily balance of $2,500 in the Classic Checking account.

Tier 2: The prospective dividend rate on your account is 0.05% if you fail to meet the qualifications and your daily balance is greater than $2,500 or if you meet the qualifications and you daily balance is greater than $25,000, with a prospective annual percentage yield ranging from 0.00% to 0.05% depending on meeting the qualifications and the balance in the account, for this dividend period.

BUSINESS CHECKING (S12, S15)
Tier 1: 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 $500, with a prospective annual percentage yield ranging from 0.00% to 0.05%* depending on the balance in the account, for this dividend period.

PREMIUM BUSINESS CHECKING (S13)
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, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Annual Percentage Yield Range

REGULAR SHARES (Savings S1)
Tier 1: If your daily balance is $1,999.99 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 $2,000, 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, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

CU SAVE (S50)
Tier 1: If your daily balance is $1,999.99 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 $2,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

MONEY MARKET (S3)
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.

PREMIUM MONEY MARKET (S4)
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. * The top end of the last tier is figured on a $750,000 balance.

CLASSIC CHECKING
Tier 1: The prospective dividend rate on your account is 1.00% and will be paid only on the portion of your daily balance that is greater than $2,500 but less than $25,000, if the following qualifications are met: (1) must be a member in good standing, (2) have 12 or more qualifying transactions that post and clear during each monthly qualification period on their Capital Credit Union debit or credit card and (3) maintain a minimum average daily balance of $2,500 in the Classic Checking account.

Tier 2: The prospective dividend rate on your account is 0.05% if you fail to meet the qualifications and your daily balance is greater than $2,500 or if you meet the qualifications and you daily balance is greater than $25,000, with a prospective annual percentage yield ranging from 0.00% to 0.05% depending on meeting the qualifications and the balance in the account, for this dividend period.

BUSINESS CHECKING (S12, S15)
Tier 1: 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 $500, with a prospective annual percentage yield ranging from 0.00% to 0.05%* depending on the balance in the account, for this dividend period.

PREMIUM BUSINESS CHECKING (S13)
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, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.