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.
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.
- 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
- 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 and New Salem, North Dakota.
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.