Rates

Effective February 1, 2015.

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Checking

AccountMinimum Amount to Earn DividendsDividend RateAPY*Compound
ChaChing Checking$0.01 - $25,000.001.99%2.01%Monthly
 $25,000.01 +0.25%0.25%Monthly
Non-Qualifying Rate0.25%0.25%Monthly
Business Premium Checking**$5,000 - $24,999.990.10%0.10%Monthly
 $25,000 - $49,999.990.15%0.15%Monthly
 $50,000 +0.20%0.20%Monthly
Business Elite Checking$5,0000.15%0.15%Monthly

*APY=Annual Percentage Yield. Rates subject to change without notice. **Subject to fees based on balance, fees may reduce earnings.

Certificates and IRAs

AccountTermMinimum Amount to Earn DividendsDividend RateAPY*Compound
Members Choice (Cert/IRA) Direct Deposit Only12 MonthsN/A0.35%0.35%Quarterly
Certificates / IRA3 to 5 Months$1,000.000.20%0.20%Quarterly
 6 to 8 Months$1,000.000.35%0.35%Quarterly
 9 to 11 Months$1,000.000.35%0.35%Quarterly
 12 to 14 Months$1,000.000.60%0.60%Quarterly
 15 to 17 Months$1,000.000.60%0.60%Quarterly
 18 to 20 Months$1,000.000.75%0.75%Quarterly
 21 to 23 Months$1,000.000.75%0.75%Quarterly
 24 to 29 Months$1,000.001.00%1.00%Quarterly
 30 to 35 Months$1,000.001.00%1.00%Quarterly
 36 to 41 Months$1,000.001.00%1.00%Quarterly
 42 to 47 Months$1,000.001.00%1.00%Quarterly
 48 to 53 Months$1,000.001.34%1.35%Quarterly
 54 to 59 Months$1,000.001.34%1.35%Quarterly
 60 Months$1,000.001.34%1.35%Quarterly
IRAOpen Deposit$500.000.20%0.20%Monthly

*APY=Annual Percentage Yield. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates do not apply to institutional or government deposits.

Savings

AccountMinimum Amount to Earn DividendsDividend RateAPY*Compound
Membership Savings$25.00 +0.25%0.25%Monthly
Health Savings Account (HSA)$500.00 +0.75%0.75%Monthly
Money Market Platinum***$2,500 - $4,999.990.15%0.15%Monthly
 $5,000 - $14,999.990.20%0.20%Monthly
 $15,000 - $24,999.990.20%0.20%Monthly
 $25,000 - $49,999.990.40%0.40%Monthly
 $50,000 - $99,999.990.40%0.40%Monthly
 $100,000 - $249,999.990.55%0.55%Monthly
 $250,000.00 +0.55%0.55%Monthly
Business Savings$1,000.00 +0.10%0.10%Monthly
Business Money Market***$25,000-$49,999.990.40%0.40%Monthly
 $50,000-$99,999.990.40%0.40%Monthly
 $100,000 +0.55%0.55%Monthly

*APY=Annual Percentage Yield. Rates subject to change without notice, fees may reduce earnings. ** Funds available for withdrawal between October 1st and March 1st. ***Limited to 6 preauthorized electronic withdrawals per month. Fees may apply after 6 withdrawals.

Loans

Type of LoanTermRates As Low As
Loans with Collateral (Cars, Trucks, Boats, Etc.)36 Months1.99% APR*†

$28.64 monthly payment per $1000 borrowed

 48 Months1.99% APR*†

$21.69 monthly payment per $1000 borrowed

 60 Months1.99% APR*†

$17.52 monthly payment per $1000 borrowed

 72 Months1.99% APR*†

$14.74 monthly payment per $1000 borrowed

 84 Months4.95% APR*

$14.11 monthly payment per $1,000 borrowed

SignatureTerms May Vary7.99% APR*†
Kwik CashLine of Credit18.0% APR*
Savings SecuredTerms May VarySavings Rate +4%

*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. All loans are subject to approval.


†Rate available for 2011 vehicles or newer. Requires active checking account. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.


Other rates and terms are also available. Contact a Member Service Representative for more information or to apply 920-494-2828 or toll free 800-728-4294.