Middle aged man and woman dining outdoors having drinks while smiling and browsing online on tablet

Certificates

Our owners are our members, and being a Northeast Wisconsin credit union means higher returns for you. Let us join your journey and be your guide to your best financial future. We'll start by putting your money to work. Find out how our rates can earn you more on your Certificates. 



Getting Started Is as Easy as...

Scribble graphic in red hand drawn lines showcasing the number 1

Open an account and choose how long you want to earn a higher rate with a certificate.

Scribble graphic in red hand drawn lines showcasing the number 2

Transfer the amount you want to earn more on from an account at CCU or another financial institution.

Scribble graphic in red hand drawn lines showcasing the number 3

Watch your money grow!








Earn more for less effort

Share certificate

 
A share certificate is like overnight or long-term parking for your money. You choose how long you want to park it. The difference is (and this is big) we pay you instead of you paying us. Pick a term that works for you.  No withdrawals, no deposits, no effort, just earning.
 
  • Greater earning than a basic savings account
  • Fixed rates guaranteed for length of term
  • Terms from 3 months to 5 years
  • $1,000 minimum deposit to open
  • Federally insured by NCUA 
 
Open My Certificate Schedule Appointment


Man laughing and working on laptop while sitting on park bench outside while his dog licks his chin




















































Save as you go

Member's Choice Certificate

Providing you options that fit your stage in life is important to us. That means providing products that make saving a little easier and with less restrictive access to your money when you might need it. With a Member's Choice Certificate you still earn higher dividends over a 12-month term, but you also have the flexibility with a one-time penalty free withdrawal. A perfect product for the young saver or saving for that special gift.

Young man covers girlfriend's eyes as he gets ready to present her with a surprise gift of jewelry






Termǂ Minimum to Open & Earn Dividends Dividend Rate APY* Compound
8 Month** $5,000.00 5.15% 5.25% Quarterly
8 Month
with active checking account or new money deposited**
 $5,000.00 
 5.20% 5.30% Quarterly
8 Month
with active checking and new money**		 $5,000.00  5.25% 5.35% Quarterly
27 Month** $5,000.00 4.43 % 4.50 % Quarterly
27 Month
with active checking account or new money deposited**
 $5,000.00  4.47% 4.55% Quarterly
27 Month
with active checking and new money**
 $5,000.00  4.52% 4.60% Quarterly

Members Choice Certificate Rates (Direct deposit only)
Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
12 Months $1.00 2.48% 2.50% Quarterly
 
Certificate Rates
Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
3 - 5 Months $1,000.00 1.99% 2.00% Quarterly
6 - 11 Months $1,000.00 2.48% 2.50% Quarterly
12 -17 Months $1,000.00 2.97% 3.00% Quarterly
18 - 23 Months $1,000.00 3.210% 3.25% Quarterly
24 - 35 Months $1,000.00 3.455 % 3.50% Quarterly
36 - 47 Months $1,000.00 3.941 % 4.00% Quarterly
48 - 59 Months $1,000.00 4.087 % 4.15% Quarterly
60 Months $1,000.00 4.184 % 4.25% Quarterly
*APY=Annual Percentage Yield, Rates effective 03/15/2024. Certificates may have penalty for early withdrawal. Fees may reduce earnings and/or principal on the account. Rates subject to change without notice. For businesses with a combined certificate total of more than $250,000, please contact a Member Service Representative for rates. Rates do not apply to institutional or government deposits.
ǂ Automatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 8 month certificate will renew into an 6 month term.
-The 27 month certificate will renew into an 24 month term.
You may prevent renewal if you close the account at maturity. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.
**Minimum Balance Requirements - $5,000 required to open and earn dividends. APY increase of .05% available if the $5,000 is New Money or with an Active Checking account. APY increase of .10% if the $5,000 is New Money and with an Active Checking account. New Money are funds not already on deposit with Capital Credit Union.  An Active Checking account has at least $400 in deposits each month and 12 withdrawals of $5 or more during the month. Member needs to request New Money and/or Active Checking APY increase. Increase is not automatically given. APY increase is effective to the day of the request.
All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure, shall remain in full force and effect.