Loans
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 | 3.49% APR*† $29.30 monthly payment per $1000 borrowed |
| Loans with Collateral (Cars, Trucks, Boats, etc.) | 48 Months | 3.49% APR*† $22.36 monthly payment per $1000 borrowed |
| Loans with Collateral (Cars, Trucks, Boats, etc.) | 60 Months | 3.74% APR*† $18.31 monthly payment per $1000 borrowed |
| Loans with Collateral (Cars, Trucks, Boats, etc.) | 72 Months | 4.24% APR*† $15.76 monthly payment per $1000 borrowed |
| Loans with Collateral (Cars, Trucks, Boats, etc.) | 84 Months | 5.24% APR*† $14.25 monthly payment per $1,000 borrowed |
| Signature | Terms May Vary | 8.95% 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 10/01/18. 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.
Checking
| ACCOUNT | MINIMUM AMOUNT TO EARN DIVIDENDS | DIVIDEND RATE | APY* | COMPOUND |
|---|---|---|---|---|
| Cha Ching™ Checkingǂ | $0.01 - $25,000.00 | 3.20% | 3.25% | Monthly |
| Cha Ching™ Checkingǂ | $25,000.01 + | 0.25% | 0.25% | Monthly |
| Cha Ching™ Checkingǂ | Non-Qualifying Rate | 0.25% | 0.25% | Monthly |
| Business Premium Checking** | $5,000 - $24,999.99 | 0.20% | 0.20% | Monthly |
| Business Premium Checking** | $25,000 - $49,999.99 | 0.30% | 0.30% | Monthly |
| Business Premium Checking** | $50,000 + | 0.40% | 0.40% | Monthly |
| Business Elite Checking | $5,000 + | 0.30% | 0.30% | Monthly |
ǂCha Ching™ checking qualification requirements: Login to online banking at least once per month; 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 5/7/2018. Rates subject to change without notice.
**Subject to fees based on balance, fees may reduce earnings.
Savings
*APY=Annual Percentage Yield, effective 9/19/2018. Rates subject to change without notice, 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.
Certificates & IRAs
CERTIFICATE/IRA SPECIAL
| Term | Minimum amount to earn dividends |
Dividend rate | APY* | Compound |
|---|---|---|---|---|
| 15 Month | $5,000 | 2.87% | 2.90% | Quarterly |
Automatically renewable account - The 15 month certificate will automatically renew to a 12 month term and rate at maturity. You may prevent renewal if you close the account at maturity (or within the grace period mentioned within the full disclosure under Term Share Certificate in the Understanding Your Account Brochure).
Rates effective 2/1/2019.
*APY=Annual Percentage Yield, effective 2/1/2019. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates subject to change without notice. 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.
REGULAR RATES
| Account | Term | Minimum Amount To Earn Dividends |
Dividend Rate | APY* | Compound |
|---|---|---|---|---|---|
| Members Choice (Cert/IRA) Direct Deposit Only |
12 Months | N/A | 1.39% | 1.40% | Quarterly |
| Certificates / IRA | 3 to 5 Months | $1,000.00 | 0.75% | 0.75% | Quarterly |
| Certificates / IRA | 6 to 11 Months | $1,000.00 | 1.39% | 1.40% | Quarterly |
| Certificates / IRA | 12 to 17 Months | $1,000.00 | 1.99% | 2.00% | Quarterly |
| Certificates / IRA | 18 to 23 Months | $1,000.00 | 2.23% | 2.25% | Quarterly |
| Certificates / IRA | 24 to 35 Months | $1,000.00 | 2.72% | 2.75% | Quarterly |
| Certificates / IRA | 36 to 47 Months | $1,000.00 | 2.97% | 3.00% | Quarterly |
| Certificates / IRA | 48 to 59 Months | $1,000.00 | 3.06% | 3.10% | Quarterly |
| Certificates / IRA | 60 Months | $1,000.00 | 3.21% | 3.25% | Quarterly |
| IRA- Savings | Open Deposit | $25.00 | 0.30% | 0.30% | Monthly |
*APY=Annual Percentage Yield, effective 2/1/2019. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates subject to change without notice. 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.
Personal Fee Schedule
6/6/2018
| Description | Fee/Charge |
|---|---|
|
Card PIN Replacement Fee
ATM/Debit card replacement
|
$5 each |
| Check cashing fee (account balance < $500) |
$3 each |
| Check copies Fee | $2 each |
|
Check Printing Charge
(ordered through outside vendor)
|
Varies based on style, postage fees apply |
|
Deposited Check Returned Fee
Deposited Check Returned Fee
|
$5 each |
|
Monthly Service Fee
Monthly Checking Account service fee
|
Varies based on type of account |
|
OD Protection Tran Fee
Overdraft Protection transfer fee
|
$5 each |
|
Insufficient Funds Fee
Premium Overdraft paid transaction
|
$26 each |
|
Insufficient Funds Fee
Overdraft fee
|
$26 each |
|
Uncollected funds fee
Transaction greater than available balance
|
$26 each |
| 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.)
| Description | Fee/Charge |
|---|---|
|
Wire In Fee
Wire transfer in
|
$7 each |
|
Wire Out Fee
Wire transfer out - domestic
|
$20 each |
|
Wire Out Fee - Foreign
Wire transfer out - foreign
|
$150 each |
| Description | Fee/Charge |
|---|---|
| Cashier's Check Fee | $1 each |
| Certified Check Fee | $3 each |
|
Account Inactivity Fee
Inactive account (if no deposits or withdrawals in 12 months & account balance < $500 total)
|
$5/month |
| Invalid Address Fee | $5/month |
| Levy/Garnishment Fee | $20 each |
| Money Order Fee | $1 each |
|
Photo Copies/Fax Fee
Photocopies (per page)
Fax
|
Photo Copies: $0.15/ea after 3 pages
Fax: $1 each
|
|
Safe Deposit Box Fee
Safe Deposit Boxes (availability varies by branch)
|
3x5 - $20, 3x10 - $28, 5x5 - $25, 5x10 - $35, 10x10 - $50 |
| Statement Copy Fee | $3 each |
|
Stop Payment Fee
Stop payment (checks, electronic)
|
$20 each |
|
Escheatment Fee
Unclaimed account processing fee (if dormant 4.5 years)
|
$100 each |
Business fee schedule
6/6/2018
| Description | Fee/Charge |
|---|---|
|
Wire In Fee
Wire transfer in
|
$7 each |
|
Wire Out Fee
Wire transfer out - domestic
|
$20 each |
|
Wire Out Fee - Foreign
Wire transfer out - foreign
|
$150 |
| Description | Fee/Charge |
|---|---|
|
Early Closure Fee
Account closed within first 90 days after opening
|
$10 |
|
Account Research Fee
Account research (1 hour min.)
|
$20/hour |
|
Debit Chargeback Fee
Debit card authorized transaction chargeback
|
$20 each |
|
Card PIN Reminder Fee
ATM/Debit card PIN reminder
|
$2 each |
|
Card/PIN Replacement Fee
ATM/Debit card replacement
|
$5 each |
|
Check Cashing Fee
(account balance < $500)
|
$3 each |
| Check Copies Fee | $2 each |
|
Check Printing Charge
(ordered through outside vendor)
|
Varies based on style, postage fees apply |
|
Deposited Check Returned Fee
Deposited Check Returned Fee
|
$5 each |
|
Account Inactivity Fee
Inactive account (if no deposits or withdrawals in 12 months & account balance < $500 total)
|
$5/month |
|
Monthly Service Fee
Monthly Checking Account service fee
|
Varies based on type of account |
|
OD Protection Tran Fee
Overdraft Protection transfer fee
|
$5 each |
|
Insufficient Funds Fee
Overdraft fee
|
$26 each |
| Statement Copy Fee | $3 each |
|
Uncollected Funds Fee
Transaction greater than available balance
|
$26 each |
| DESCRIPTION | BUSINESS ELITE CHECKING | BUSINESS PREMIUM CHECKING | ORGANIZATION CHECKING |
|---|---|---|---|
| Monthly Charge | $5 (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 |
| 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 |
| 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
Addtl bags $10 each
|
1 Free
Addtl bags $10 each
|
1 Free
Addtl bags $10 each
|
| Lock Bags | $25 each | $25 each | $25 each |
| ACH Service (payroll) | $15/Month | $15/Month | $15/Month |
| Returned Deposit Item | $5 each | $5 each | $5 each |
| Overdraft Protection Transfer | $5 each | $5 each | $5 each |
| NSF (non-sufficient funds) | $26 each | $26 each | $26 each |
| Premium Overdraft | $26 each | $26 each | N/A |
* Includes any items debited from the account (i.ee. 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.) Check cashing fee applies to checks deposited if account balance <$500.
| 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 |
| Description | Fee/Charge |
|---|---|
| Items cleared* (after 6 preauthorized, automated or check withdrawals) | $5 each |
| Items deposited** | $0.12 after 50 items |
| Description | Fee/Charge |
|---|---|
| Items cleared* - Business Money Market (after 6 preauthorized, automated or check withdrawals) | $5 each |
| Items deposited** - Business Money Market | $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.)
| Description | Fee/Charge |
|---|---|
| Cashier's Check Fee | $1 each |
| Certified Check Fee | $3 each |
| Invalid Address Fee | $5/month |
| Levy/Garnishment Fee | $20 each |
| Money Order Fee | $1 each |
| Photo Copies/Fax Fee |
Photo copies: $0.15 each after 3 pages
Fax: $1 each
|
| Safe Deposit Boxes | 3x5 - $20, 3x10 - $28, 5x5 - $25, 5x10 - $35, 10x10 - $50 |
|
Stop Payment Fee
(checks, electronic)
|
$20 each |
|
Escheatment Fee
Unclaimed account processing fee (if dormant 4.5 years)
|
$100 each |
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