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.
Loans
Loan Rates
| Type of Loan | Term | Rates As Low As |
|---|---|---|
| Loans with Collateral (Cars, Trucks, Boats, etc.) |
36 Months |
5.74% APR*†
$30.31 monthly payment per $1000 borrowed
|
| Loans with Collateral (Cars, Trucks, Boats, etc.) |
48 Months |
6.24% APR*†
$23.61 monthly payment per $1000 borrowed
|
| Loans with Collateral (Cars, Trucks, Boats, etc.) |
60 Months |
6.24% APR*†
$19.45 monthly payment per $1000 borrowed
|
| Loans with Collateral (Cars, Trucks, Boats, etc.) |
72 Months |
6.24% APR*†
$16.70 monthly payment per $1000 borrowed
|
| Loans with Collateral (Cars, Trucks, Boats, etc.) |
84 Months |
7.49% APR*†
$15.34 monthly payment per $1000 borrowed
|
| Home Loans | Terms Vary | Visit Mortgage Rates page |
| Signature | Terms Vary | 9.70% APR*† |
| Kwik Cash | Terms Vary | 18.00% APR*† |
| Savings Secured | Terms Vary | Savings Rate +4.00% |
*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. Rates effective 06/01/2023. 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
| Account | Minimum Amount to Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| Cha Ching™ Checkingǂ | $0.01 - $15,000.00 | 3.93% | 4.00% | Monthly |
| Cha Ching™ Checkingǂ | $15,000.01 + | 0.15% | 0.15%+ | Monthly |
| Cha Ching™ Checkingǂ | Non-Qualifying Rate | 0.01% | 0.01% | Monthly |
| Business Premium Checking** | $5,000 - $24,999.99 | 0.10% | 0.10% | Monthly |
| Business Premium Checking** | $25,000 - $49,999.99 | 0.15% | 0.15% | Monthly |
| Business Premium Checking** | $50,000 + | 0.25% | 0.10% | Monthly |
| Business Elite Checking | $5,000 + | 0.10% | 0.10% | Monthly |
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
| Account | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| Membership Savings | $25.00 + | 0.15% | 0.15% | Monthly |
| Regular Savings | $25.00 + | 0.15% | 0.15% | Monthly |
| Health Savings Account (HSA) | $500.00 + | 0.75% | 0.75% | Monthly |
| Business Membership Savings*** | $1,000.00 + | 0.10% | 0.10% | Monthly |
| Business Regular Savings*** | $1,000.00 + | 0.10% | 0.10% | Monthly |
*APY=Annual Percentage Yield. Rates effective 04/07/2023
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.
***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.
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
| Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|
| $2,500 - $4,999.99 | 0.55% | 0.55% | Monthly |
| $5,000 - $14,999.99 | 0.95% | 0.95% | Monthly |
| $15,000 - $24,999.99 | 1.00% | 1.00% | Monthly |
| $25,000 - $49,999.99 | 1.34% | 1.35% | Monthly |
| $50,000 - $99,999.99 | 1.64% | 1.65% | Monthly |
| $100,000 - $249,999.99 | 1.98% | 2.00% | Monthly |
| $250,000.00 + | 2.47% | 2.50% | Monthly |
Money Market Platinum Selectǂ Rates
| Minimum to Open & Earn Dividends | Dividend Rate** | APY* | Compound |
|---|---|---|---|
|
$2,500 - $49, 999.99 |
0.10% |
0.10% |
Monthly |
|
$50,000 - $99,999.99 |
1.49% |
1.50% |
Monthly |
|
$100,000 - $249,999.99 |
2.23% |
2.25% |
Monthly |
|
$250,000 - $499,999.99 |
2.96% |
3.00% |
Monthly |
|
$500,000 - $749,999.99 |
3.445% |
3.50% |
Monthly |
|
$750,000 - $999,999.99 |
3.93% |
4.00% |
Monthly |
|
$1,000,000+ |
4.17% |
4.25% |
Monthly |
*APY=Annual Percentage Yield. Rates effective 04/07/2023.
**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.
**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
| Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|
| $2,500 - $4,999.99 | 0.55% | 0.55% | Monthly |
| $5,000 - 14,999.99 | 0.85% | 0.85% | Monthly |
| $15,000 - $24,999.9 | 0.95% | 0.95% | Monthly |
| $25,000- $49,999.99 | 1.34% | 1.35% | Monthly |
| $50,000- $99,999.99 | 1.64% | 1.65% | Monthly |
| $100,000 - $249,000.00 | 1.98% | 2.00% | Monthly |
| $250,000 + | 2.47% | 2.50% | Monthly |
Business Selectǂ Money Market Rates
| Minimum to Open & Earn Dividends | Dividend Rate** | APY* | Compound |
|---|---|---|---|
|
$2,500 - $49, 999.99 |
0.10% |
0.10% |
Monthly |
|
$50,000 - $99,999.99 |
1.49% | 1.50% | Monthly |
|
$100,000 - $249,999.99 |
2.23% |
2.25% |
Monthly |
|
$250,000 - $499,999.99 |
2.96% |
3.00% |
Monthly |
|
$500,000 - $749,999.99 |
3.445% |
3.50% |
Monthly |
|
$750,000 - $999,999.99 |
3.93% |
4.00% |
Monthly |
|
$1,000,000+ |
4.17% |
4.25% |
Monthly |
*APY=Annual Percentage Yield. Rates effective 04/07/2023.
**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.
**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
Certificate Special Rates**
| Termǂ | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| 9 Month | $5,000.00 | 4.52% | 4.60% | Quarterly |
Members Choice Certificate Rates (Direct deposit only)
| Term | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| 12 Months | $1.00 | 2.48% | 2.50% | Quarterly |
Certificate Rates
| Term | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| 3 - 5 Months | $1,000.00 | 1.99% | 2.00% | Quarterly |
| 6 - 11 Months | $1,000.00 | 2.48% | 2.50% | Quarterly |
| 12 -17 Months | $1,000.00 | 2.97% | 3.00% | Quarterly |
| 18 - 23 Months | $1,000.00 | 3.210% | 3.25% | Quarterly |
| 24 - 35 Months | $1,000.00 | 3.455 % | 3.50% | Quarterly |
| 36 - 47 Months | $1,000.00 | 3.455 % | 3.50% | Quarterly |
| 48 - 59 Months | $1,000.00 | 3.70% | 3.75% | Quarterly |
| 60 Months | $1,000.00 | 3.70% | 3.75% | Quarterly |
*APY=Annual Percentage Yield, Rates effective 04/07/2023. 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.
ǂAutomatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 9 month certificate will renew into a 6 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 New Money required to open and earn dividends. New Money requirement 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.
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)
| Term | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| 12 Month | $1.00 | 2.48% | 2.50% | Quarterly |
IRA Certificate Special Rates**
| Termǂ | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| 9 Month | $5,000.00 | 4.52 % | 4.60 % | Quarterly |
Certificates/IRA Rates
| Term | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| 3-5 Months | $1,000.00 | 1.99% | 2.00% | Quarterly |
| 6-11 Months | $1,000.00 | 2.48% | 2.50% | Quarterly |
| 12-17 Months | $1,000.00 | 2.97% | 3.00% | Quarterly |
| 18-23 Months | $1,000.00 | 3.210% | 3.25% | Quarterly |
| 24-35 Months | $1,000.00 | 3.455 % | 3.50% | Quarterly |
| 36-47 Months | $1,000.00 | 3.455 % | 3.50% | Quarterly |
| 48-59 Months | $1,000.00 | 3.70% | 3.75% | Quarterly |
| 60 Months | $1,000.00 | 3.70% | 3.75% | Quarterly |
Money Market Platinum/IRA Rates***
| Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|
| $2,500-$4,999.99 | 0.55% | 0.55% | Monthly |
| $5,000-$14,999.99 | 0.95% | 0.95 % | Monthly |
| $15,000-$24,999.99 | 1.00% | 1.00% | Monthly |
| $25,000-$49,999.99 | 1.34 % | 1.35% | Monthly |
| $50,000-$99,999.99 | 1.64% | 1.65% | Monthly |
| $100,000-$249,999.99 | 1.98% | 2.00% | Monthly |
| $250,000.00+ | 2.47% | 2.50% | Monthly |
IRA - Savings Rate
| Term | Minimum to Open & Earn Dividends | Dividend Rate | APY* | Compound |
|---|---|---|---|---|
| Open Deposit | $25.00 | 0.15% | 0.15% | Monthly |
*APY=Annual Percentage Yield. Rates effective 04/07/2023 . 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.
ǂAutomatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 9 month certificate will renew into a 6 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.***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.
Personal Fee Schedule
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 |
* 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
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