Rates accurate as of Aug. 16, 2023‚Äč, and subject to change without notice. Fees may reduce earnings. The rates, fees and charges applicable to your account at Capital Credit Union are provided below. Capital Credit Union may offer rates or amend the rates for these accounts from time to time.

Savings

Account Type Minimum Tier Rate APY*
Regular Share (S1)$25$0 - 1,999.99
2,000.00 - 9,999.99
10,000.00+
0.05%
0.05%
0.05%
0.05%
0.05% - 0.05%
0.05% - 0.05%
Thrive Savings (S45)None$0 - 20,000.00
20,000.01+
1.60%2
0.05%2
1.61%2
0.09%2
18-Month Combo Savings (S34)13NoneAll amounts3.93%4.00%
Special Share (S2, S30, S32)NoneAll amounts0.05%0.05%
Home Sweet Home Club (S31)NoneAll amounts0.05%0.05%
CU Save (S50)None$0 - 499.99
500.00 - 999.99
1,000.00 - 1,999.99
2,000.00+
0.05%
0.05%
0.05%
0.05%
0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
Traditional IRA Share (S20)
SEP IRA (S21)
Roth IRA Share (S23, S24)
Education Share (S22)
None$0 - 2,499.99
2,500.00 - 9,999.99
10,000.00 - 19,999.99
20,000.00 - 49,999.99
50,000.00 - 249,999.99
250,000.00 - 499,999.99
500,000.00+
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
0.05% - 0.05%
Transactional Account (S5)NoneAll amounts0.05%0.05%
Business Transactional Account (S16)NoneAll amounts0.05%0.05%

Money Market

Account Type Minimum Tier Rate APY*
Money Market (S3, S4, S40)$2,500 (must maintain minimum to earn dividends)$0 - 9,999.99
10,000.00 - 25,000.00
25,000.01 - 49,999.99
50,000.00 - 99,999.99
100,000.00 - 249,999.99
250,000.00 - 499,999.99
500,000.00 - 999,999.99
1,000,000.00 - 1,500,000.00
0.200%
0.500%
0.500%
0.550%
1.500%
1.750%
1.000%
1.000%
0.20%
0.20% - 0.38%
0.38% - 0.44%
0.44% - 0.50%
0.50% - 1.11%
1.11% - 1.44%
1.44% - 1.23%
1.23% - 1.15%

Checking

Account Type Minimum Tier Rate APY*
Simple Checking (S14)NoneAll amountsNoneNone
Edge (S10)NoneAll amountsNoneNone
Classic Checking (S7)$2,500 (must maintain minimum to earn dividends)$0 - 2,499.99
2,500.00 - 20,000.00**
20,000.01+**
0.00%
2.96%1
0.05%1
0.00%
3.00%1
0.05%1
Business Checking (S12, S15)$500No dividend paid on min. balance.
$500+

0.05%

0.0%-0.05%
Share Draft (S11, S19)NoneAll amountsNoneNone

**Interest earned on entire balance when minimum is maintained.

Regular/IRA Certificates of Deposit - $500 Minimum Balance

Term Rate3 Annual Percentage Yield3
6-Month0.748%0.75%
12-Month0.748%0.75%
24-Month0.748%0.75%
36-Month0.797%0.80%

Regular/IRA Certificates of Deposit - $2,500 Minimum Balance

Term Rate3 Annual Percentage Yield3
3-Month63.929%4.00%
6-Month74.410%4.50%
9-Month84.889% for new money or existing funds8
($2,500+ balance)

5.128% for new money8
($50,000 minimum balance)
5.00% for new money or existing funds8
($2,500+ balance)

5.25% for new money8
($50,000 minimum balance)
11-Month Special4, 94.266%4.35%
12-Month104.650%4.75%
15-Month Special4, 113.929%4.00%
18-Month1.490%1.50%
18-Month Combo CD4, 123.929%4.00%
22-Month Special4, 144.169%4.25%
24-Month1.638%1.65%
36-Month2.471%2.50%
48-Month Bump-A-Rate41.883%1.90%
60-Month2.957%3.00%
61-Month Bump-A-Rate51.981%2.00%

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

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 3.00% 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%-3.00% 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.

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.

8Minimum deposit of $50,000 in new money required to earn 5.25% APY. For new money or existing funds with a minimum deposit of $2,500, the CD rate is 5.00% APY. After 9 months, CD balance will automatically roll into a regular 9-Month CD at the advertised rate on the date of rollover. New money is funds that are not currently held by Capital Credit Union in any share or deposit account. Existing money is funds currently held by Capital Credit Union in a share or deposit account.

9CD will mature 11 months after the date it is opened. Upon maturity, funds will roll into regular savings. 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. Upon maturity, funds will roll into regular savings. 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 a Regular Share Savings Account at the advertised rate on the date of rollover. Offer may end at any time and without notice.

14CD will mature 22 months after the date it is opened. Upon maturity, funds will roll into regular savings. Not available as part of Individual Retirement Accounts. Offer expires when limit is reached. Offer may end at any time and without notice.