Certificates of Deposit

Patience really does pay off.

Playing the waiting game can be difficult. But when it comes to setting aside money to grow at a fixed rate for a fixed term, you'll love the results. With a Capital Credit Union Certificate of Deposit, you can reap the rewards of biding your time.

Maximize your savings
Terms range from 3 to 61 months

Options abound with our CDs. Maybe you're working toward a specific goal in the short term. You can choose to keep your money deposits for less than a year. Maybe you're putting together a retirement savings plan. That's where one of our five-year CDs can augment your portfolio. The choice is yours. And speaking of choice, some of our CDs allow you to bump up the rate after you make your initial investment.

Additional Features

  • Earn guaranteed dividends at a fixed rate that exceeds regular saving rates
  • CDs available as part of Individual Retirement Accounts
  • Rate bump-up available on some CDs1
  • Free eStatements
  • Free access to CU Online and our mobile app
  • All accounts are insured up to $250,000


  • $500 minimum balance

Service Charges

  • No regular service charge (but there's a penalty for withdrawing funds before the CD matures)

Capital Credit Union is a full-service financial institution with locations in Bismarck, Mandan, Fargo, Beulah, Hazen, New Salem and Flasher, North Dakota.

“Tyler Artlip is awesome, knowledgeable and respectful, and gets the best options for us. We appreciate his candor.”

- Wanda

“Will was the best loan officer and took care of everything. He was very friendly every time I walked into the Northwest Branch.”

- Kenneth

“The knowledgeable employees are what make working with Capital Credit Union a great experience.”

- Casey

“The service we receive is outstanding! From our home loan to everyday needs, we always get great service.”

- Member

1If you have a CD account with a bump feature, you may at any time during the term of your CD, request that we raise your rate to the current Capital Credit Union published rate for the equivalent term Bump CD. You will then earn that higher rate for the remainder of the term. You may only exercise this feature one time during the term of the CD. CD rates are set at the credit union’s discretion. It is a possibility that the rate would not increase over the term of the CD and you would not be able to bump your rate. The maximum additional rate bonus on a CD is 0.10%, depending on your level of share (excluding CDs) or loan balances.