Checking

¹No fee will be charged for use of CO-OP ATMs. Fees charged by non-CO-OP ATMs will be automatically refunded.

²Earn $0.25 bonus cash on each transaction for qualifying debit card purchases, up to $5 per monthly qualification cycle per checking account, per member number. A member is required to meet all of the following to earn bonus cash: (1) receive eStatements and (2) have 12 or more qualifying transactions on their Capital Credit Union debit card that post and clear during each monthly qualification period. Bonus cash will be automatically deposited into the CU Bonus account on the first business day of the month following the monthly qualification period. Transactions may take one or more business days from the date the transaction was made to post to the checking account. Qualifying transactions include debit card purchases; qualifying transactions do not include ATM transactions. The qualification period is defined as the first through the last day of the calendar month. Bonus cash incentive is a special promotion; associated rates, terms and conditions may change or be discontinued at any time.

³Dividends will be paid to members who meet the following requirements: (1) maintain an average daily balance of $2,500, (2) be a member in good standing, and (3) have 12 or more qualifying transactions that post and clear during each monthly qualification period on their Capital Credit Union debit or credit card. Dividends paid at 3.00% Annual Percentage Yield (APY) on balances up to $20,000 and .05% APY on the portion of the balance exceeding $20,000. Interest earned on entire balance when $2,500 minimum is maintained. Interest calculated at a blended rate between .05%-3.00% APY. If requirements are not met, dividends on accounts meeting the minimum balance will be paid at .05% APY. Dividends will be deposited into the checking account on the last day of the month in which the qualification period ends. Qualifying transactions only include debit or credit card purchases on Capital Credit Union cards; qualifying transactions do not include check purchases or 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 is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.

⁴Free eStatements, $5 monthly fee for paper statements.

⁵Two free boxes of Custom Creation checks annually per account, per calendar year. Unordered boxes of checks cannot be rolled over to the next year.

⁶A member with a good standing Classic Checking account can be granted a CD bump of .10% APY upon request at CD opening or renewal. A CD bump is not available on any special CD rate offer.

⁷25% discount on safe deposit boxes for members with Classic Checking.

⁸Free with eStatements; $3 fee applies without.

⁹No 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.

¹⁰To receive $10 cash bonus, an official report card or other proof showing all grades above a "C" or equivalent must be submitted via the form at capcu.org/reportcard. Report cards will be accepted for the most recent grading period only. Progress reports are not eligible. Cash bonus will be automatically deposited into the member's Edge Teen Checking account within 30 days of report card submission. Cash bonus limited to two per year; up to $20 per member/account holder.

¹¹To receive $25 match, Edge Teen Checking account holder must show proof of employment and set up automatic direct deposit into their Edge Teen Checking account. Max of one $25 match per member number.

¹²$100 gas card will be available for Edge Teen Checking account holders who open their first auto or recreational vehicle loan, while supplies last. Cosigner is required on the loan. Edge Teen Checking account holder must be primary on the loan. Gas card will be presented upon disbursement of the loan. Does not apply to existing Capital Credit Union loans. Edge Teen Checking is a special promotion for members ages 13-17 with an Edge Checking account; joint owner is required. Associated terms and conditions may change or be discontinued at any time.

All changes effective 5/1/2023.