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Cha-Ching Checking
ChaChing™ is the sound
of Summer on Us!
Cha-Ching™ is the sound
of Summer on Us!
Your Money, Making Money
This summer, your money works as hard as you do.
With ChaChing™ Checking, you’ll earn an impressive 4.25% APY – that’s 50 times the national average**! It’s more than just a checking account; it’s a way to make your money work hard for you while you enjoy everything Wisconsin summers have to offer.
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Our Members Earn More
Your summer should be a little less stressful.With ChaChing™ Checking, you’re not just getting a place to keep your cash—you’re unlocking a smarter way to save, spend, and thrive. This isn’t just a bank account. It’s your partner in progress, designed to help you build a brighter financial future without missing a beat.
Open ChaChing™ Checking
Who said your checking account is just for spending? We want your money to grow. So you can do the things on your Summer bucket list.
It's about your money. Making money!
We don't offer just average checking accounts. We offer checking accounts that offer smart rewards that pay you back and help grow your money. Let's find out together and discover if ChaChing™ Checking is right for you.- You're looking to earn money on the funds in your checking account.
- A frequent user of your debit card.
- You are looking to get reimbursements on ATM fees.
- Willing to enroll in direct deposit and receive eStatements to maximize your earnings?
- You are looking for an account that offers unlimited deposits and withdrawals.
You work hard. We make it easy for your money to work hard too!
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| AVERAGE DAILY BALANCE | INTEREST EARNED AFTER ONE MONTH | INTEREST EARNED AFTER ONE YEAR |
|---|---|---|
| $15,000 | $53.13 | $637.50 |
| $10,000 | $35.42 | $425 |
| $5,000 | $17.71 | $212.50 |
| $2,500 | $8.85 | $106.25 |
| $1,000 | $3.54 | $42.50 |
| $500 | $1.77 | $21.25 |
Note: Examples are approximate estimations and not based on compounding balances.
We Invest In YOU!
Capital Credit Union isn’t just about finances—we’re about people, community, and building a better future together. Our members are at the heart of everything we do. That’s why we invest in tools and accounts like ChaChing™ Checking—to help you reach your goals while feeling supported every step of the way.
Nationwide ATM fee refunds (up to $10).
No monthly service fee or minimum balance requirement.
Digital Banking which includes Online Bill Pay and eStatements.
Optional overdraft protection.
Minimum opening deposit of $1.
Loan rate discounts with active checking.†
Check out our blog
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*Offer is limited to one new Capital Credit Union ChaChing checking account opened and funded from the dates 08/25/2025 to10/31/2025. Within 14 days of opening your ChaChing checking account, $150 will be deposited in the new account. 180 days after opening your ChaChing checking account, an additional $150 will be deposited if a combined daily average balance of $500 or more was maintained for the full 180 days and a reoccurring monthly direct deposit posted to your newly opened ChaChing checking account for the full 180 days. All Capital Credit Union checking and savings accounts titled in the same primary account holder’s name will be included in the calculations to determine your total average deposit balance to qualify for the reward. Total reward of $300 is earned after 180 days if all qualifications are met. Account must be active at the time the reward is deposited. Terms and conditions apply. Tax implications may apply. Membership eligibility required.
**Annual Percentage Yield (APY) accurate as of the effective rates dated 7/1/2025. ChaChing™ Checking rate tiers are as follows: 4.25% APY applies to balances of $0.01 - $15,000 and 0.15% APY applies to balances over $15,000 if qualifications are met during the monthly cycle. No interest is earned if qualifications are not met. Rates and APYs may change after the account is opened and fees may reduce earnings.
†0.50% loan discount on vehicle and personal loans requires an active checking account with at least $400 in deposits each month and 12 transactions of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
‡Comparison based on Capital Credit Union 4.25% APY as of the effective rates dated 7/1/2025 versus .07% the national average checking accounts that earn interest sourced from FDIC National Rates and Rate Cap as of 7/1/2025.
Transfers between Capital accounts do not count as qualifying ACH transactions. Minimum to open account is $1. ATM fee reimbursements up to $10 provided only if qualifications are met within the monthly cycle.
Maximum of 2 ChaChing™ accounts per membership share.