Rates and Fees

Ah, so you're one of those "research" types. You should find what you're looking for here. If, by chance, you can't find what you need, feel free to contact us and we'll answer all your questions...no matter how many you have.

LOAN RATES

TYPE OF LOAN	TERM	RATES AS LOW AS
Loans with Collateral (Cars, Trucks, Boats, etc.)	36 Months	3.24% APR*† $29.19 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.)	48 Months	3.74% APR*† $22.47 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	3.74% APR*† $15.53 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.)	84 Months	4.99% APR*† $14.14 monthly payment per $1,000 borrowed
Home Loans	Terms Vary	Visit our Mortgage Rates page
Signature	Terms May Vary	8.45% 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 09/23/2022. 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 - $15,000.00	2.96%	3.00%	Monthly
Cha Ching™ Checkingǂ	$15,000.01 +	0.10%	3.00% - 0.27%⁺	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 10/1/2022. 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.

savings & money market

ACCOUNT	MINIMUM TO OPEN & 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***	$2,500 - $4,999.99	0.30%	0.30%	Monthly
	$5,000 - $14,999.99	0.55%	0.55%	Monthly
	$15,000 - $24,999.99	0.65%	0.65%	Monthly
	$25,000 - $49,999.99	0.75%	0.75%	Monthly
	$50,000 - $99,999.99	1.00%	1.00%	Monthly
	$100,000 - $249,999.99	1.14%	1.15%	Monthly
	$250,000.00 +	1.24%	1.25%	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	0.75%	0.75%	Monthly
	$50,000-$99,999.99	1.00%	1.00%	Monthly
	$100,000 +	1.14%	1.15%	Monthly

*APY=Annual Percentage Yield, effective 09/30/2022.

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.

certificates

ACCOUNT	TERM	MINIMUM TO OPEN & EARN DIVIDENDS	DIVIDEND RATE	APY*	COMPOUND
Certificate Specials**	14 Month	$5,000.00	3.11%	3.15%	Quarterly
	25 Month	$5,000.00	3.26%	3.30%	Quarterly
Members Choice (Certificate) Direct Deposit Only	12 Months	$1.00	1.10%	1.10%	Quarterly
Certificates	3 - 5 Months	$1,000.00	0.65%	0.65%	Quarterly
	6 - 11 Months	$1,000.00	1.10%	1.10%	Quarterly
	12 -17 Months	$1,000.00	1.79%	1.80%	Quarterly
	18 - 23 Months	$1,000.00	1.89%	1.90%	Quarterly
	24 - 35 Months	$1,000.00	2.23%	2.25%	Quarterly
	36 - 47 Months	$1,000.00	2.48%	2.50%	Quarterly
	48 - 59 Months	$1,000.00	2.62%	2.65%	Quarterly
	60 Months	$1,000.00	2.72%	2.75%	Quarterly

*APY=Annual Percentage Yield, effective 09/30/22. Certificates may have penalty for early withdrawal. Fees may reduce earnings and/or principal on the account. Rates subject to change without notice. $5,000 New Money required to open and earn dividends, waived for current members 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. 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.

Automatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 25 month certificate will renew into a 24 month term.
-The 14 month certificate will renew into a 12 month term.
You may prevent renewal if you close the account at maturity (or within the grace period mentioned above). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

**Minimum Balance Requirements - The minimum balance to open this term share certificate is $5,000.00.

All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure, shall remain in full force and effect.

IRAs

REGULAR RATES

ACCOUNT	TERM	MINIMUM TO OPEN & EARN DIVIDENDS	DIVIDEND RATE	APY*	COMPOUND
Members Choice (IRA) Direct Deposit Only	12 Months	$1.00	1.10%	1.10%	Quarterly
IRA Certificate Specials**	14 Month	$5,000.00	3.11%	3.15%	Quarterly
	25 Month	$5,000.00	3.26%	3.30%	Quarterly
Certificates / IRA	3 - 5 Months	$1,000.00	0.65%	0.65%	Quarterly
	6 - 11 Months	$1,000.00	1.10%	1.10%	Quarterly
	12 - 17 Months	$1,000.00	1.79%	1.80%	Quarterly
	18 - 23 Months	$1,000.00	1.89%	1.90%	Quarterly
	24 - 35 Months	$1,000.00	2.23%	2.25%	Quarterly
	36 - 47 Months	$1,000.00	2.48%	2.50%	Quarterly
	48 - 59 Months	$1,000.00	2.62%	2.65%	Quarterly
	60 Months	$1,000.00	2.72%	2.75%	Quarterly
Money Market Platinum/IRA***		$2,500 - $4,999.99	0.30%	0.30%	Monthly
		$5,000 - $14,999.99	0.55%	0.55%	Monthly
		$15,000 - $24,999.99	0.65%	0.65%	Monthly
		$25,000 - $49,999.99	0.75%	0.75%	Monthly
		$50,000 - $99,999.99	1.00%	1.00%	Monthly
		$100,000 - $249,999.99	1.14%	1.15%	Monthly
		$250,000.00 +	1.24%	1.25%	Monthly
IRA- Savings	Open Deposit	$25.00	0.10%	0.10%	Monthly

*APY=Annual Percentage Yield, effective 09/30/2022. 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.

**$5,000 New Money required to open, waived for current members 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. Minimum Balance Requirements - The minimum balance to open this term share certificate is $5,000.00.

^{Automatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 25 month certificate will renew into a 24 month term.
-The 14 month certificate will renew into a 12 month term.
You may prevent renewal if you close the account at maturity (or within the grace period mentioned above). We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.}

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

11/15/2021

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.

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

* Inactivity fee waved if member is under age 18.

** 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 FEE SCHEDULE

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