Rates and Fees
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Loans
*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. Rates effective 09/16/2024. 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
CHECKING ACCOUNT RATES
ǂCha Ching™ checking qualification requirements: Sign up & receive free eStatements; ACH direct deposit(s) totaling at least $400 post & clear monthly; 12 debit purchases of at least $5 post and clear prior to 6PM on the last day of the month. Fees may reduce earnings.
*APY=Annual Percentage Yield. Rates effective 5/1/2023. 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.
**Subject to fees based on balance, fees may reduce earnings.
Savings
Savings Account Rates
**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.
Money Market
Money Market Platinumǂ Rates
*APY=Annual Percentage Yield. Rates effective 12/22/2023.
**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.ǂLimited 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.
Business Money Market
Businessǂ Money Market Rates
**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.
ǂLimited 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.
Certificates
*APY=Annual Percentage Yield, Rates effective 10/04/2024. 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 5 month certificate will renew into an 6 month term.
-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.
IRAs
Members Choice IRA Rates (Direct Deposit Only)
IRA Certificate Special Rates
Certificates/IRA Rates
Money Market Platinum/IRA Rates****
IRA - Savings Rate
*APY=Annual Percentage Yield, Rates effective 10/04/2024. 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 5 month certificate will renew into an 6 month term.
-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. New Money are funds not already on deposit with Capital Credit Union. APY increase of .05% available with an Active Checking account. 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.
****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.
All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure, shall remain in full force and effect.
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.
All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure, shall remain in full force and effect.
Personal Fee Schedule
Business Fee Schedule
BUSINESS WIRE FEES
11/15/2021
ACCOUNT SPECIFIC BUSINESS CHECKING FEES
* 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
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
BUSINESS MONEY MARKET FEES
* Includes any items debited from the account (i.e. ACH withdrawals, EFT withdrawals, checks from Business Money Market, etc.)
OVERDRAFT FEES
* Organization Checking accounts are ineligible for Premium Overdraft