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 1.99 % APR*†  $28.64 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 48 Months 1.99% APR*†  $21.70 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 60 Months 2.24% APR*†  $17.64 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 72 Months 2.74% APR*†  $15.08 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 84 Months 3.74% APR*†  $13.55 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 11/16/2020. 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 - $25,000.00 1.98% 2.00% Monthly
Cha Ching™ Checkingǂ $25,000.01 + 0.10%  2.00% - 0.29%+ 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: 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 5/1/2021. 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 $25,000.01 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.
9/30/2021

MONEY MARKET FEES
Description current effective november 15th
Excess Withdrawal Fee
Money Market withdrawal fees (after 6 pre-authorized, automated or check withdrawals)*
 $5 each No change
* 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 current effective november 15th
Wire In Fee
Wire transfer in
 $7 each $10 each
Wire Out Fee
Wire transfer out - domestic
 $20 each $25 each
Wire Out Fee - Foreign
Wire transfer out - foreign
 $150 each
(described as Foreign)		 $150 each
(described as International)


OVERDRAFT FEES

Description current effective november 15th
OD Protection Transfer Fee
Overdraft protection transfer or advance

$5each

No change
UC Protection Transfer Fee
Uncollected protection transfer or advance, item is greater than available balance due to a hold

N/A

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

$26 each

$20 each,
Limit 2/calendar day
Insufficient Funds Fee*
Paid item with Premium Overdraft
 $26 each $20 each,
Limit 2/calendar day
Insufficient Funds Fee*
Member-requested advance of Premium Overdraft completed by CCU personnel

$26 each

$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

$26 each

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

$26 each

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

GENERAL FEES

Description current effective november 15th
Account Inactivity Fee
If no deposit or withdrawals in 12 months & account balance is < $500 total
 $5/month
If no deposits or withdrawals in 12 months & account balance <$500		 $5/month
No deposits, withdrawals, or loan payments in 12 months & total account(s) balance < $5,000
Account Research Fee
1 hour minimum
 $20/hour No change
Card Replacement Fee
ATM/Debit card replacement
 $5 each No change
Cashier's Check Fee $1 each No change
Check Cashing fee
(Account balance < $500)		 Account balance <$500
$3 each		 Non-member cashing on-us checks
$5 each
Check Copies Fee
Check Copies Fee
$2 each
Check Copy Fee
No change
Check Printing Charge
(ordered through outside vendor)
 Varies based on style, postage fees apply No change
Deposited Check Returned Fee
Deposited checks returned
Deposited Check Returned Fee
REPLACED
Deposited checks returned
$5 each
 Returned Item Fee
Includes returned deposited checks, ACH transactions, or loan payments
$10 each
Debit Chargeback Fee $20 each No change
Early Closure Fee
Account closed within first 90 days after opening
 
$10
 
No change
Expedited Shipping Fee Varies based on service No change
International Check Deposit Fee N/A $7 each
Invalid Address Fee $5/month No change
Levy/Garnishment Fee $20 each $100 each
Monthly Service Fee*
MyChoice Checking Monthly Service Fee

$8/month

No change
Monthly Service Fee
Fresh Start Checking Monthly Service Fee

N/A

$8/month
Photo Copies/Fax Fee
Photocopies (per page)
Fax
 
$0.15 each after 3 pages 
$1 each

No change
No change
Safe Deposit Box Fee
Safe Deposit Boxes (availability varies by branch)
 3x5 - $20
3x10 - $28
5x5 - $25
5x10 - $35
10x10 - $50		 3x5 - $25
3x10 - $33
5x5 - $30
5x10 - $45
10x10 - $65
Safe Deposit Box Drilling Fee
(outside vendor)
 Actual Cost No change
Statement Copy Fee
 $3 each No change
Stop Payment Fee
Checks, electronic
 $20  No change

* 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

9/30/2021
DESCRIPTION Current Effective November 15th
Wire In Fee
Wire transfer in
 $7 each $10 each
Wire Out Fee
Wire transfer out - domestic
 $20 each $25 each
Wire Out Fee - International
Wire transfer out - international
  $150
(described as Foreign)		  $150
(described as International)

ACCOUNT SPECIFIC BUSINESS CHECKING FEES

DESCRIPTION BUSINESS ELITE
CHECKING		 BUSINESS PREMIUM CHECKING ORGANIZATION
CHECKING		 Effective November 15th
Monthly Service Fee $5 (waived with $1,000 min. daily balance) $15 (waived with $2,000 min. daily balance) N/A
Business Elite Checking - $10 (waived with $1,000 min. daily balance)
No changes to others
Minimum Balance $1,000 $2,000 N/A No change
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		 No change
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		 No change
Deposit processing fee
(per deposit)		 N/A N/A N/A No change
Cash Deposits N/A N/A N/A No change
Cash Strap Purchases N/A N/A N/A No change
Coin Purchases N/A N/A N/A No change
Coin Counting 5% (>$100 in coin) 5% (>$100 in coin) 5% (>$100 in coin) No change
Zipper Bags 1 Free, additional bags 
$10 each		 1 Free, additional bags 
$10 each		 1 Free, additional bags 
$10 each		 No change
Lock Bags $25 each $25 each $25 each No change
ACH Service 
(payroll)		 $15/Month $15/Month $15/Month $20/Month
all accounts
 
* 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-$44,999              200                                200
$50,000 +                           250                                250

BUSINESS & MUNICIPAL SAVINGS FEES

DESCRIPTION Current Effective November 15th
Items cleared*
(after 6 preauthorized, automated or check withdrawals)

$5 each

No change
Items deposited** $0.12 after 50 items No change

BUSINESS MONEY MARKET FEES 

DESCRIPTION Current Effective November 15th
Monthly Service Fee
 N/A $10 (waived with $1,000 min. daily balance)
Items cleared* 
(after 6 preauthorized, automated or check withdrawals)

$5 each

No change
Items deposited**
 $0.12 after 50 items No change
 
* 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 Current Effective November 15th
OD Protection Transfer Fee
Overdraft protection transfer or Advance

$5 each

No change
UC Protection Transfer Fee
Uncollected protection transfer or advance, item is greater than available balance due to a hold

N/A

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

$26 each

$20 each, Limit 2/calendar day
Insufficient Funds Fee*
Paid Item with Premium Overdraft		 $26 each $20 each, Limit 2/calendar day
Insufficient Funds Fee*
Member-Requested Advance of Premium Overdraft completed by CCU personnel

$26 each

$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

$26 each

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

$26 each

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

GENERAL BUSINESS ACCOUNT FEES

Description current effective november 15th
Account Inactivity Fee
If no deposit or withdrawals in 12 months & account balance is < $500 total
 $5/month
If no deposits or withdrawals in 12 months & account balance <$500		 $5/month
No deposits, withdrawals, or loan payments in 12 months & total account(s) balance < $5,000
Account Research Fee
1 hour minimum
 $20/hour No Change
Card Replacement Fee
ATM/Debit card replacement
 $5 each No change
Cashier's Check Fee $1 each No change
Check Copies Fee
Check Copies Fee
$2 each
Check Copy Fee
No change
Check Printing Charge
(ordered through outside vendor)
 Varies based on style, postage fees apply No change
Debit Chargeback Fee
 $20 each No change
Deposited Check Returned Fee
Deposited checks returned
Deposited Check Returned Fee
REPLACED
Deposited checks returned
$5 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
 
No change
Expedited Shipping Fee Varies based on service No change
International Check Deposit Fee N/A $7 each
Invalid Address Fee $5/month No change
Levy/Garnishment Fee $20 each $100 each
Non-Member On-Us Check to Cashier's Check
Non-member converting an on-us check to a cashier's check

N/A

$5 each
Photo Copies/Fax Fee
Photocopies (per page)
Fax
 
$0.15 each after 3 pages 
$1 each

No change
No change
Safe Deposit Box Fee
Safe Deposit Boxes
(availability varies by branch)
 3x5 - $20
3x10 - $28
5x5 - $25
5x10 - $35
10x10 - $50		 3x5 - $25
3x10 - $33
5x5 - $30
5x10 - $45
10x10 - $65
Safe Deposit Box Drilling Fee
(outside vendor)
 Actual Cost No change
Statement Copy Fee
 $3 each No change
Stop Payment Fee
Checks, electronic
 $20  No change