1 Dividends paid at 1.00% 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 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. 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 on Capital Credit Union cards; qualifying transactions 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.
2 Two free boxes of Custom Creation checks annually, per account, per calendar year. Any unordered boxes of checks cannot be rolled over to the next year.
3 Member must maintain at a minimum average daily account balance of $2,500 in the Classic Checking account at the end of each month. A $12 low balance fee applies for each month a member fails to maintain the $2,500 minimum balance requirements in their Classic Checking account, or a combined loan balance of $40,000 or more as determined at the end of each month. Combined loan balance includes all the Member’s loans held by Capital Credit Union and excludes sold mortgages. A sold mortgage is a mortgage sold by Capital Credit Union on the secondary market. The $12 low balance fee could reduce the earnings under the account.
4 A member with a good standing Classic Checking account can be granted a CD bump of 0.10% APY upon request at CD opening or renewal. A CD bump is not available on any special CD rate offer.
5 25% discount on safe deposit boxes for members with Classic Checking.
6 Free with eStatements; $3 fee applies without.
7 No minimum balance. $15 minimum monthly automatic deposit. One free withdrawal per month, otherwise $5 per withdrawal unless transferring to a CD or money market account.