Deposit Rates

Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply.

*Annual Percentage Yield

¹Dividends 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 3.04% Annual Percentage Yield (APY) on balances up to $20,000 and .05% APY on the portion of the balance exceeding $20,000. Interest calculated at a blended rate between .05%-3.04% 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.

²Average daily balance must be at least $1,000 to earn dividends. 

³A member with a good standing Classic Checking account can be granted a CD bump of .10% APY upon request at CD opening or renewal.

⁴The CD bump of .10% APY is not available on any special CD rate offer.

⁵CD term currently unavailable.

⁶CD will mature 3 months after the date it is opened. After 3 months, CD balance will automatically roll into a regular 3-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.

⁷CD will mature 6 months after the date it is opened. After 6 months, CD balance will automatically roll into a regular 6-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.

⁸CD will mature 9 months after the date it is opened. After 9 months, CD balance will automatically roll into a regular 9-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice. 

⁹CD will mature 11 months after the date it is opened. After 11 months, CD balance will automatically roll into regular savings at the advertised rate on the date of rollover. Not available as part of Individual Retirement Accounts. Offer expires when limit is reached. Offer may end at any time and without notice.

¹⁰CD will mature 12 months after the date it is opened. After 12 months, CD balance will automatically roll into a regular 12-Month CD at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.

¹¹CD will mature 15 months after the date it is opened. After 15 months, CD balance will automatically roll into regular savings at the advertised rate on the date of rollover. Not available as part of Individual Retirement Accounts. Offer expires when limit is reached. Offer may end at any time and without notice.

¹²18-Month Combo CD must be funded with new money. New money is funds that are not currently held by Capital Credit Union in any share or deposit account. After 18 months, Combo CD balance will automatically roll into a regular 18-Month CD at the advertised rate on the date of rollover. Not available as part of Individual Retirement Accounts. Offer may end at any time and without notice.

¹³18-Month Combo Combo Savings Account balance cannot exceed 18-Month Combo Combo CD balance. After 18 months, 18-Month Combo Combo Savings Account balance will automatically roll into regular savings at the advertised rate on the date of rollover. Offer expires when limit is reached. Offer may end at any time and without notice.

¹⁴CD will mature 22 months after the date it is opened. After 22 months, CD balance will automatically roll into regular savings at the advertised rate on the date of rollover. Not available as part of Individual Retirement Accounts. Offer expires when limit is reached. Offer may end at any time and without notice.

¹⁵If average daily balance is at least $100,000.00, earn 3.82% APY. Balances $99,999.99 and lower earn 0%. Fees may reduce earnings. Average daily balance must be at least $100,000.00 to earn dividends. Accounts with an average daily balance of less than $100,000.00 will be charged a $10.00 monthly service fee.