Rates and Fees


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LOAN RATES

Type of Loan Term Rates as low as
Loans with Collateral (Cars, Trucks, Boats, etc.) 36 Months 1.24 % APR*†  $28.32 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 48 Months 1.24% APR*†  $21.37 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 60 Months 1.49% APR*†  $17.31 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 72 Months 1.99% APR*†  $14.75 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 84 Months 2.99% APR*†  $13.21 monthly payment per $1,000 borrowed

Home Loans

 Terms Vary
Visit our Mortgage Rates page

Signature

 Terms May Vary
6.95% APR*†
Kwik Cash Line of Credit 18.0% APR*
Savings Secured Terms May Vary Savings Rate +4%

*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. Rates effective as of 10/29/2021. All loans are subject to approval.

†Requires active checking account with at least $400 in deposits each month and 12 withdrawals 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.

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.
ACCOUNT MINIMUM AMOUNT TO EARN DIVIDENDS DIVIDEND RATE APY* COMPOUND
Cha Ching™ Checkingǂ $0.01 - $15,000.00 1.98% 2.00% Monthly
Cha Ching™ Checkingǂ $15,000.01 + 0.10%  2.00 - .21%+ Monthly
Cha Ching™ Checkingǂ Non-Qualifying Rate  0.01% 0.01% Monthly
Business Premium Checking** $5,000 - $24,999.99 0.05%  0.05% Monthly
Business Premium Checking** $25,000 - $49,999.99  0.10% 0.10% Monthly
Business Premium Checking** $50,000 +  0.20% 0.20% Monthly
Business Elite Checking $5,000 + 0.05%  0.05%  Monthly

ǂCha Ching™ checking qualification requirements: Sign up & receive free eStatements; ACH direct deposit(s) totaling at least $400 post & clear monthly; 12 debit card purchases of at least $5 post & clear monthly. Fees may reduce earnings. 

*APY=Annual Percentage Yield, effective 12/1/2021. This is a variable rate account. Rates are subject to change without notice. Rates and APYs may change after the account is opened and fees may reduce earnings.

+The APY for this tier will depend on the balance in this account. The range shown is calculated based on a range of balances from $15,000.01 to $250,000.00. 
 
**Subject to fees based on balance, fees may reduce earnings.
Account Minimum Amount to
Earn Dividends		 Dividend Rate APY* Compound
Membership Savings $25.00 + 0.10% 0.10% Monthly
Regular Savings $25.00 + 0.10% 0.10% Monthly
Health Savings Account (HSA) $500.00 + 0.55% 0.55% Monthly
Money Market Platinum/IRA*** $2,500 - $4,999.99 0.20% 0.20% Monthly
Money Market Platinum/IRA*** $5,000 - $14,999.99 0.20% 0.20% Monthly
Money Market Platinum/IRA*** $15,000 - $24,999.99 0.30% 0.30% Monthly
Money Market Platinum/IRA*** $25,000 - $49,999.99 0.30% 0.30% Monthly
Money Market Platinum/IRA*** $50,000 - $99,999.99 0.35% 0.35% Monthly
Money Market Platinum/IRA*** $100,000 - $249,999.99 0.40% 0.40% Monthly
Money Market Platinum/IRA*** $250,000.00 +
0.45%
 0.45% Monthly
Membership Business Savings*** $1,000.00 + 0.05% 0.05% Monthly
Regular Business Savings*** $1,000.00+ 0.05% 0.05% Monthly
Business Money Market*** $25,000-$49,999.99 0.15% 0.15% Monthly 
Business Money Market*** $50,000-$99,999.99 0.20%  0.20%   Monthly
Business Money Market***  $100,000 + 0.25%   0.25% Monthly

*APY=Annual Percentage Yield, effective 5/1/2021. 
This is a variable rate account. Rates are subject to change without notice. Rates and APYs may change after the account is opened and fees may reduce earnings.
 
***Limited to 6 withdrawals per month in any combination of automatic, telephone, preauthorized or electronic transfers and check, debit card, or similar transaction. Fees may apply after 6 withdrawals. Withdrawals made in a branch are not limited.
 
Individual Retirement Accounts (IRA) - It is your responsibility to ensure the contributions, distributions, and other actions related to your IRA comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your IRA.

REGULAR RATES

Account Term Minimum Amount To
Earn Dividends		 Dividend Rate APY* Compound
Members Choice (Cert/IRA)
Direct Deposit Only		 12 Months N/A .45% .45% Quarterly
Certificates / IRA 3 to 5 Months $1,000.00 0.15% 0.15% Quarterly
Certificates / IRA 6 to 11 Months $1,000.00 .45% .45% Quarterly
Certificates / IRA 12 to 17 Months $1,000.00 .65% .65% Quarterly
Certificates / IRA 18 to 23 Months $1,000.00 .70%
 .70% Quarterly
Certificates / IRA 24 to 35 Months $1,000.00 .80% .80% Quarterly
Certificates / IRA 36 to 47 Months $1,000.00 1.00% 1.00% Quarterly
Certificates / IRA 48 to 59 Months $1,000.00 1.05% 1.05% Quarterly
Certificates / IRA 60 Months $1,000.00 1.15% 1.15% Quarterly
IRA- Savings Open Deposit $25.00 0.10% 0.10%  Monthly

*APY=Annual Percentage Yield, effective 5/1/2021. Penalty on earnings for early withdrawal, fees may reduce earnings. 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.
 
Individual Retirement Accounts (IRA) - It is your responsibility to ensure the contributions, distributions, and other actions related to your IRA comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your IRA.
11/15/2021

MONEY MARKET FEES
Description Fee/Charge
Excess Withdrawal Fee
Money Market withdrawal fees (after 6 pre-authorized, automated or check withdrawals)*
 $5 each
* Includes any items debited from the account (i.e. ACH withdrawals, EFT withdrawals, checks from Money Market, etc.) International Check Deposit Fee applied separately.

WIRE TRANSFER FEES
Description fee/charge
Wire In Fee
 $10 each
Wire Out Fee - Domestic
 $25 each
Wire Out Fee - International
 $150 each


OVERDRAFT FEES

Description fee/charge
OD Protection Transfer Fee
Overdraft protection transfer or advance

$5 each
UC Protection Transfer Fee
Uncollected protection transfer or advance, item is greater than available balance due to a hold

$5 each
Insufficient Funds Fee
Returned item/overdraft (NSF) with no/insufficient overdraft coverage

$20 each,
Limit 2/calendar day
Insufficient Funds Fee*
Paid item with Premium Overdraft
 $20 each,
Limit 2/calendar day
Insufficient Funds Fee*
Member-requested advance of Premium Overdraft completed by CCU personnel

$20 each,
Limit 2/calendar day
Uncollected Funds Fee
Returned item/overdraft (NSF) greater than available balance due to a hold and no/insufficient overdraft coverage

$20 each,
Limit 2/calendar day
Uncollected Funds Fee*
Paid item greater than available balance due to a hold using Premium Overdraft 

$20 each,
Limit 2/calendar day
 
*Fresh Start Checking accounts are ineligible for Premium Overdraft

GENERAL FEES

Description fee/charge
Account Inactivity Fee
No deposits, withdrawals, or loan payments in 12 months & total account(s) balance < $5,000
 $5/month
Account Research Fee
1 hour minimum
 $20/hour
Card Replacement Fee
 $5 each
Cashier's Check Fee $1 each
Check Cashing fee
Non-member cashing on-us checks
$5 each
Check Copy Fee
$2 each
Check Printing Charge
Ordered through outside vendor
 Varies based on style, 
postage fees apply
Returned Item Fee
Includes returned deposited checks, ACH transactions, or loan payments
$10 each
Debit Chargeback Fee $20 each
Early Closure Fee
Account closed within first 90 days after opening
 
$10
Expedited Shipping Fee Varies based on service
International Check Deposit Fee $7 each
Invalid Address Fee $5/month
Levy/Garnishment Fee $100 each
Monthly Service Fee*
MyChoice Checking Monthly Service Fee

$8/month
Monthly Service Fee
Fresh Start Checking Monthly Service Fee

$8/month
Photo Copies/Fax Fee
Photocopies (per page)
Fax

$0.15 each after 3 pages
$1 each
Safe Deposit Boxes
Availability varies by branch
 3x5 - $25
3x10 - $33
5x5 - $30
5x10 - $45
10x10 - $65
Safe Deposit Box Drilling Fee
Outside vendor
 Actual cost
Statement Copy Fee
 $3 each
Stop Payment Fee
Checks, electronic
 $20

* Avoided by maintaining a minimum daily balance of $500 or may be reduced or eliminated by doing the following:-Reduce fee by $2 for receiving free eStatements.-Reduce fee by $2 for having a direct deposit of at least $400.00 into the account every month.-Reduce fee by 20¢ per debit card purchase of at least $5.00 until fee is eliminated. Must be posted and cleared before 6pm on the last day of the month.-Monthly service fee waived if member is age 23 or younger. 

BUSINESS WIRE FEES

11/15/2021
DESCRIPTION fee/charge
Wire In Fee
 $10 each
Wire Out Fee - Domestic
 $25 each
Wire Out Fee - International
  $150 each

ACCOUNT SPECIFIC BUSINESS CHECKING FEES

DESCRIPTION BUSINESS ELITE
CHECKING		 BUSINESS PREMIUM CHECKING ORGANIZATION
CHECKING
Monthly Service Fee $10 (waived with $1,000 min. daily balance) $15 (waived with $2,000 min. daily balance) N/A
Minimum Balance $1,000 $2,000 N/A
Business Activity Fee
Items Cleared*		 100 Free
$0.12 each after 100		 Free based on tiers***
$0.12 each after Free		 50 Free
$0.12 each after 50,
$0.20 each after 100
Business Activity Fee
Items Deposited**
 100 Free
$0.12 each after 100		 Free based on tiers***
$0.12 each after Free		 50 Free
$0.12 each after 50,
$0.20 each after 100
Deposit processing fee
(per deposit)		 N/A N/A N/A
Cash Deposits N/A N/A N/A
Cash Strap Purchases N/A N/A N/A
Coin Purchases N/A N/A N/A
Coin Counting 5% (>$100 in coin) 5% (>$100 in coin) 5% (>$100 in coin)
Zipper Bags 1 Free, additional bags 
$10 each		 1 Free, additional bags 
$10 each		 1 Free, additional bags 
$10 each
Lock Bags $25 each $25 each $25 each
ACH Service 
(payroll)		 $20/Month $20/Month $20/Month
 
* Includes any items debited from the account (i.e. Checks written, ACH withdrawals, EFT withdrawals, etc.)** Includes any items credited to the account, excluding cash and coin (i.e. checks deposited, ACH deposited, EFT deposited, remote check deposit items, etc.). International Check Deposit Fee applied separately.
***Business Premium Tiers for Items Deposited and Cleared
Balance                    # Cleared free          # Deposited free
$0-$4,999                         100                                 100
$5,000-$24,999                150                                150
$25,000-$49,999              200                                200
$50,000 +                           250                                250

BUSINESS & MUNICIPAL SAVINGS FEES

DESCRIPTION fee/charge
Items cleared*
(after 6 preauthorized, automated or check withdrawals)

$5 each
Items deposited** $0.12 after 50 items

BUSINESS MONEY MARKET FEES 

DESCRIPTION fee/charge
Monthly Service Fee
 $10 (waived with $1,000 min. daily balance)
Items cleared* 
(after 6 preauthorized, automated or check withdrawals)

$5 each
Items deposited**
 $0.12 after 50 items
 
* Includes any items debited from the account (i.e. ACH withdrawals, EFT withdrawals, checks from Business Money Market, etc.)** Includes any items credited to the account, excluding cash and coin (i.e., checks deposited, ACH deposited, EFT deposited, etc.). International Check Deposit Fee applied separately.

OVERDRAFT FEES

DESCRIPTION fee/charge
OD Protection Transfer Fee
Overdraft Protection Transfer or Advance

$5 each
UC Protection Transfer Fee
Uncollected Protection Transfer or Advance, Item is greater than available balance due to a hold

$5 each
Insufficient Funds Fee
Returned Item/Overdraft (NSF) with no/insufficient overdraft coverage

$20 each, Limit 2/calendar day
Insufficient Funds Fee*
Paid Item with Premium Overdraft		 $20 each, Limit 2/calendar day
Insufficient Funds Fee*
Member-Requested Advance of Premium Overdraft completed by CCU personnel

$20 each, Limit 2/calendar day
Uncollected Funds Fee
Returned Item/Overdraft (NSF) greater than available balance due to a hold and no/insufficient overdraft coverage

$20 each, Limit 2/calendar day
Uncollected Funds Fee*
Paid item greater than available balance due to a hold using Premium Overdraft

$20 each, Limit 2/calendar day
 
* Organization Checking accounts are ineligible for Premium Overdraft

GENERAL BUSINESS ACCOUNT FEES

Description fee/charge
Account Inactivity Fee
No deposit, withdrawals, or loan payments in 12 months & total account(s) balance < $5,000
 
 
$5/month
Account Research Fee
1 hour minimum
 $20/hour
Card Replacement Fee
 $5 each
Cashier's Check Fee $1 each
Check Copy Fee
$2 each
Check Printing Charge
Ordered through outside vendor
 Varies based on style, postage fees apply
Debit Chargeback Fee
 $20 each
Returned Item Fee
Includes returned deposited checks, ACH transactions, or loan payments

 
$10 each
Early Closure Fee
Account closed within first 90 days after opening
 
$10
Expedited Shipping Fee Varies based on service
International Check Deposit Fee $7 each
Invalid Address Fee $5/month
Levy/Garnishment Fee $100 each
Non-Member On-Us Check to Cashier's Check
Non-member converting an on-us check to a cashier's check

$5 each
Photo Copies/Fax Fee
Photocopies (per page)
Fax
 
$0.15 each after 3 pages 
$1 each
Safe Deposit Boxes
Availability varies by branch
 3x5 - $25
3x10 - $33
5x5 - $30
5x10 - $45
10x10 - $65
Safe Deposit Box Drilling Fee
Outside vendor
 Actual Cost
Statement Copy Fee
 $3 each
Stop Payment Fee
Checks, electronic
 $20 each