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 2.49% APR*†  $28.86 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 48 Months 2.99% APR*†  $22.14 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 60 Months 2.99% APR*†  $17.97 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 72 Months 2.99% APR*†  $15.20 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 84 Months 4.24% APR*†  $13.79 monthly payment per $1,000 borrowed

Home Loans

 Terms Vary
Visit our Mortgage Rates page

Signature

 Terms May Vary
7.95% 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 08/05/2022. 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.
ACCOUNT
MINIMUM AMOUNT TO EARN DIVIDENDS
DIVIDEND RATE
APY*
COMPOUND
Cha Ching™ Checkingǂ $0.01 - $15,000.00 2.47% 2.50% Monthly
Cha Ching™ Checkingǂ $15,000.01 + 0.10%  2.00 - .21%+ 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 8/1/2021. 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 $15,000.01 to $250,000.00. 
 
**Subject to fees based on balance, fees may reduce earnings.
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 0.40%
0.40%
 Monthly

$15,000 - $24,999.99
 0.50%
0.50%
 Monthly

$25,000 - $49,999.99
0.65%
0.65%
 Monthly

$50,000 - $99,999.99
0.75%
0.75%
Monthly

$100,000 - $249,999.99
0.90%
0.90%
Monthly

$250,000.00 +
1.14%
1.15%
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
0.65%
0.65%
Monthly 

$50,000-$99,999.99
0.75% 
0.75%
Monthly 

 $100,000 +
0.90% 
 0.90%
Monthly 

*APY=Annual Percentage Yield, effective 08/05/2022. 
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.
ACCOUNT
TERM
MINIMUM TO OPEN & EARN DIVIDENDS
DIVIDEND RATE
APY*
COMPOUND
Certificate Specials*** 8 Month $5,000.00 1.24% 1.25% Quarterly

14 Month
 $5,000.00
2.13%
2.15%
Quarterly

26 Month
with bump-up option**
$5,000.00
2.43%
2.45%
Quarterly
Members Choice (Certificate)
Direct Deposit Only		 12 Months $1.00 1.050% 1.05% Quarterly
Certificates
3 - 5 Months
$1,000.00
0.55%
0.55%
Quarterly

6 - 11 Months
$1,000.00
 1.05% 1.05%
Quarterly

12 -17 Months
$1,000.00
 1.59% 1.60%
Quarterly

18 - 23 Months
$1,000.00
 1.69% 1.70%
Quarterly

24 - 35 Months
$1,000.00
 1.89% 1.90%
Quarterly

36 - 47 Months
$1,000.00
 2.03% 2.05%
Quarterly

48 - 59 Months
$1,000.00
 2.08% 2.10%
Quarterly

60 Months
$1,000.00
2.23%
2.25%
Quarterly

*APY=Annual Percentage Yield, effective 08/05/22. 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.
 
**This Share Certificate account has a fixed rate for the term of the certificate, until/unless you exercise your right to increase (or bump if you will) the rate to the current rate being offered by Capital Credit Union on other accounts with the same term. This “bump” can be done one time at any point during the term of the certificate. Once bumped, the new rate will remain in effect through the rest of the certificate’s term. Activating the bump promo does not extend the term of the certificate.

Automatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 26 month certificate will renew into a 24 month term without the Bump Up feature.
-The 14 month certificate will renew into a 12 month term.
-The 8 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.

***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.

REGULAR RATES

ACCOUNT
TERM
MINIMUM TO OPEN & EARN DIVIDENDS
DIVIDEND RATE
APY*
COMPOUND
Members Choice (IRA)
Direct Deposit Only		 12 Months $1.00 1.05% 1.05% Quarterly
IRA Certificate Specials** 8 Month $5,000.00 1.24% 1.25% Quarterly

14 Month
 $5,000.00
2.13%
2.15%
Quarterly

26 Month
$5,000.00
with bump-up option+
2.43%
2.45%
Quarterly
Certificates / IRA
3 - 5 Months
$1,000.00 
0.55%
0.55%
Quarterly

6 - 11 Months
$1,000.00 
1.05%
1.05%
Quarterly

12 - 17 Months
$1,000.00 
1.59%
1.60%
Quarterly

18 - 23 Months
$1,000.00 
1.69%
1.70%
Quarterly

24 - 35 Months
$1,000.00 
1.89%
1.90%
Quarterly

36 - 47 Months
$1,000.00 
2.03%
2.05%
Quarterly

48 - 59 Months
$1,000.00 
2.08%
2.10%
Quarterly

60 Months
$1,000.00 
2.23%
2.25%
Quarterly
Money Market Platinum/IRA***
$2,500 - $14,999.99
0.30%
0.30%
 Monthly


$15,000 - $49,999.99
0.35%
0.35%
Monthly


$50,000 - $99,999.99
0.40%
0.40%
Monthly


$100,000 - $249,999.99
0.50%
0.50%
Monthly


$250,000.00 +
0.60%
0.60%
Monthly
IRA- Savings Open Deposit $25.00 0.10% 0.10%  Monthly

*APY=Annual Percentage Yield, effective 08/05/2022. 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.
 
+This Share Certificate account has a fixed rate for the term of the certificate, until/unless you exercise your right to increase (or bump if you will) the rate to the current rate being offered by Capital Credit Union on other accounts with the same term. This “bump” can be done one time at any point during the term of the certificate. Once bumped, the new rate will remain in effect through the rest of the certificate’s term. Activating the bump promo does not extend the term of the certificate.

Automatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 26 month certificate will renew into a 24 month term without the Bump Up feature.
-The 14 month certificate will renew into a 12 month term.
-The 8 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.
11/15/2021

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

* 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

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