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Financial Wellness Starts Here: Explore Our Savings Options

At Capital Credit Union, we want our members to have the best possible financial future. We know how hard northeast Wisconsin residents work for their money. That’s why we offer a number of options, from traditional savings accounts to share certificates to HSAs, to help you save the most and make every dollar really count. Read on to find out more and to determine which savings option is best for you and your lifestyle.

Capital Credit Union Membership Savings Accounts

When you decide to become a member with us at Capital CU, you start saving right away by opening a membership savings account. You’ll need a minimum of $25 to open an account and start earning dividends. Once you open this account, you can start setting up additional savings options. We have a number of different ways that help you save even more.

You also won’t have to worry about your money being kept safe. All savings account types offered by Capital Credit Union are protected and insured up to $250,000 by the National Credit Union Administration (NCUA).

Money Market Accounts

A money market account earns you higher dividends than a traditional savings account. And the dividends compound monthly. With a money market account, you have full access to your money while it earns. You can withdraw* from this account without worrying about a penalty.

To start earning dividends when you open a money market account, you just need to deposit a minimum of $2,500. Check out the full chart of the dividend rates and APYs. Another helpful tool we have on our website is a savings goal calculator.


When you open a certificate account with Capital Credit Union, it works as a savings account. Certificates help your money grow faster. Because the dividend rates are higher, you earn more than a traditional savings account. Another benefit is that, unlike investing in the stock market, a certificate isn’t risky. Here’s the breakdown of the rates and terms for our certificates.

To open a certificate, you can sign up to open a certificate with us online and easily transfer funds from another account at Capital CU, or even an account from another financial institution. If you still have any questions, you can set up an appointment.

Share Certificates

Share certificates are a savings option that helps the members of our northeast Wisconsin credit union earn more. What sets our share certificates apart is that you don’t have to pay any monthly fees. Instead, we pay you. This savings option allows you to earn without much effort at all. Just make a $1,000 deposit to open the share certificate. Yes, with Capital CU, it really is that easy to earn and save.

You choose a term that is best for you. Terms are run from three months to five years. Some account holders choose longer terms because the higher interest rate yields more savings. Others choose shorter terms because they’d rather access the money earlier. It’s really up to you and what you need.

You’ll have fixed rates for the whole term of your share certificate. That means the APY interest rates are locked in until maturity. You won’t have to worry about any market fluctuations. Because of the locked-in rates, you’ll know how much you’ll save when you open the certificate.

Member’s Choice Certificates

The Member’s Choice certificate has a term of 12 months. Like the basic share certificates, this savings option earns more dividends than a traditional savings account.

To open this certificate and start earning dividends, you’ll need a minimum deposit of just $1. Unlike share certificates, once you’ve started a term, you can make monthly direct deposits to grow your savings.

You also have a one-time opportunity to withdraw funds from the account without a penalty during the 12-month term. The option for penalty-free withdrawal is usually not included with savings certificates. The fact that we offer this shows how Capital CU goes above and beyond for members.

The Member’s Choice Certificate is a great option for savers who are new to certificates. And the 12-month term makes it perfect for saving for a particular goal.

Traditional and Roth IRAs

Traditional and Roth IRAs help you save for retirement. The sooner you open an IRA, the more you’ll save. You can choose to invest the funds in a certificate or in a money market account. Or you can do a combination of both. Both traditional and Roth IRAs have no set-up or maintenance fees.

Only traditional IRAs are tax deductible. That is the biggest difference between these two types of IRAs.

Health Savings Account

We know that medical expenses are very hard for many residents of northeast Wisconsin. That’s why we also offer members a savings account dedicated to staying in good health.

You never know when an accident or illness might land someone in the ER. But the Capital CU health savings account is a way to ensure you’ll be prepared financially in case of such an emergency.

You’ll need a deposit of just $1 to open this type of savings account. And $500 to start earning dividends. There are no setup or annual fees, and the money rolls over from year to year. This is not a “use it or lose it” account. An important thing to note is that there may be a penalty if you withdraw from this account for a non-medical purpose.

Our excellent savings options are just one of the ways we prepare members for a future of financial wellness. We also promote financial education and want our members to know as much about our savings options as possible before getting started. You can find more information about Capital Credit Union by exploring our website. Schedule an appointment with us easily online. We look forward to working with you to help you reach your savings goals!

 *You can withdraw up to 6 times without a penalty

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