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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. 
 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

48 Months 2.24% APR*†  $21.81 monthly payment per $1000 borrowed

60 Months 2.49% APR*†  $17.75 monthly payment per $1000 borrowed

72 Months 2.99% APR*†  $15.20 monthly payment per $1000 borrowed

84 Months 3.99% APR*†  $13.67 monthly payment per $1,000 borrowed
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. All loans are subject to approval.

†Requires active checking account with at least $400 in direct 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
ChaChing Checking $0.01 - $25,000.00  2.76% 2.80% Monthly

$25,000.01 + 0.25%  0.25% Monthly

Non-Qualifying Rate  0.25% 0.25% Monthly
Business Premium Checking** $5,000 - $24,999.99 0.10%  0.10% Monthly

$25,000 - $49,999.99  0.15% 0.15% Monthly

$50,000 +  0.20% 0.20% Monthly
Business Elite Checking $5,000 0.15%  0.15%  Monthly

*APY=Annual Percentage Yield. Rates subject to change without notice.

**Subject to fees based on balance, fees may reduce earnings.
 Account Minimum Amount to Earn Dividends  Dividend Rate  APY*   Compound
Membership Savings $25.00 + 0.25% 0.25% Monthly
Health Savings Account (HSA) $500.00 + 0.75% 0.75% Monthly
Money Market Platinum/IRA*** $2,500 - $4,999.99 0.20% 0.20% Monthly

$5,000 - $14,999.99 0.35% 0.35% Monthly

$15,000 - $24,999.99 0.35% 0.35% Monthly

$25,000 - $49,999.99 0.50% 0.50% Monthly

$50,000 - $99,999.99 0.50% 0.50% Monthly

$100,000 - $249,999.99 0.55% 0.55% Monthly
   $250,000.00 +  0.55% 0.55%  Monthly
 Business Savings  $1,000.00 +  0.10%  0.10% Monthly
Business Money Market*** $25,000-$49,999.99 0.40% 0.40% Monthly 
  $50,000-$99,999.99 0.40%  0.40%   Monthly
   $100,000 + 0.55%   0.55% Monthly

*APY=Annual Percentage Yield. Rates subject to change without notice, 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.

Certificate Specials

 term
minimum amount to
earn dividends
dividend rate apy* compound
15 Months $5,000 1.49% 1.50% Quarterly
24 Months $5,000 1.64% 1.65% Quarterly

*APY=Annual Percentage Yield. $5,000 minimum deposit to open. $5,000 new money required. Penalty on earnings for early withdrawal, fees may reduce earnings. Dividend rates of 1.49% for 15 month certificate and 1.64% for 24 month certificate as of 7/24/17 and are subject to change at any time. Rates do not apply to institutional or government deposits. Federally insured by NCUA.

Regular Rates

 Account Term
Minimum Amount To Earn Dividends
Dividend Rate
APY*
Compound
Members Choice (Cert/IRA) Direct Deposit Only 12 Months N/A 0.65% 0.65% Quarterly
Certificates / IRA 3 to 5 Months $1,000.00 0.35% 0.35% Quarterly

6 to 8 Months $1,000.00 0.65% 0.65% Quarterly

9 to 11 Months $1,000.00 0.65% 0.65% Quarterly

12 to 14 Months $1,000.00 0.95% 0.95% Quarterly

15 to 17 Months $1,000.00 0.95% 0.95% Quarterly

18 to 20 Months $1,000.00 1.10% 1.10% Quarterly

21 to 23 Months $1,000.00 1.10% 1.10% Quarterly
  24 to 29 Months  $1,000.00  1.29%  1.30% Quarterly
  30 to 35 Months  $1,000.00   1.29%  1.30% Quarterly
  36 to 41 Months  $1,000.00  1.39%  1.40% Quarterly
  42 to 47 Months  $1,000.00  1.39%  1.40% Quarterly
  48 to 53 Months  $1,000.00  1.49% 1.50%  Quarterly
  54 to 59 Months  $1,000.00   1.49%  1.50% Quarterly
  60 Months  $1,000.00 1.74%  1.75% Quarterly
IRA- Savings Open Deposit $25.00 0.30% 0.30%  Monthly

*APY=Annual Percentage Yield. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates do not apply to institutional or government deposits.

07/30/2015

CHECKING ACCOUNT FEES

 Description Fee/Charge
Account closed within 90 days $10
Account research (1 hour min.) $20/hour
Debit card authorized transaction chargeback $20 each
Debit card PIN reminder $2 each
Debit card replacement $5 each
Debit card change PIN (with new or replacement card) $5 each
Debit card or PIN - rush order $70 each
Check cashing fee (account balance < $500) $3 each
Check copies $2 each
Check printing (ordered through outside vendor) Varies based on style, postage fees apply
Deposited check returned unpaid $5 each
Monthly Checking Account service fee Varies based on type of account
Overdraft Protection transfer fee $5 each
Premium Overdraft fee $26 each
Overdraft/NSF (non-sufficient funds) fee $26 each
Uncollected funds fee  $26 each

 

MONEY MARKET FEES

 Description  Fee/Charge
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.)

WIRE TRANSFER FEES

 Description  Fee/Charge
Wire transfer in $7 each
Wire transfer out - domestic $20 each
Wire transfer out - foreign  $150 each

OTHER FEES

Description  Fee/Charge 
Cashier's check $1 each
Certified check $3 each
Fax $1/page local
$3/page nonlocal
Inactive account (if no deposits or withdrawals in 12 months & account balance < $500 total) $5/month
Invalid address $5/month
Levy/Garnishment processing $20 each
Money orders $1 each
Phone transfer of funds through credit union employee $2 each
Photocopies (per page)   $0.15/ea after 3 pages
 Safe Deposit Boxes (availability varies by branch) 3x5 ……..$20
3x10 …… $28
5x5 .….... $25
5x10 …… $35
10x10 …. $50
Statement copies  $3 each
Stop payment (checks, electronic)  $20 each
Unclaimed account processing fee (if dormant 5 years, fee applied when turned over to state)  $100 each
01/04/2017

BUSINESS WIRE TRANSFER FEES

Description    Fee/Charge
Wire transfer in $7 each
Wire transfer out - domestic $20 each
Wire transfer out - foreign  $150

 

GENERAL BUSINESS CHECKING FEES
(Applies to All Business Checking Accounts)

 Description    Fee/Charge
Account closed within 90 days $10
Account research (1 hour min.) $20/hour
Debit card authorized transaction chargeback $20 each
Debit card PIN reminder $2 each
Debit card replacement $5 each
Debit card change PIN (with new or replacement card) $5 each
Debit card or PIN - Rush order $70 each
Check cashing fee (account balance < $500) $3 each
Check copies  $2 each
Check printing orders Varies based on style, postage fees apply 
Deposited check returned unpaid  $5 each
Inactive account (if no deposits or withdrawals in 12 months & account balance < $500 total)  $5/month
Monthly Checking Account service fee Varies based on type of account
Overdraft Protection transfer fee $5 each
Overdraft/NSF (non-sufficient funds) fee $26 each
Statement copies $3 each
Uncollected funds fee $26 each

 

ACCOUNT-SPECIFIC BUSINESS CHECKING FEES

Description   BUSINESS ELITE CHECKING    BUSINESS PREMIUM CHECKING  ORGANIZATION CHECKING  
Monthly Charge $5 (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
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
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
Addtl bags $10 each
 1 Free
Addtl bags $10 each
 1 Free
Addtl bags $10 each
Lock Bags  $25 each  $25 each    $25 each 
ACH Service (payroll)  $15/Month   $15/Month   $15/Month 
Returned Deposit Item  $5 each $5 each $5 each
Overdraft Protection Transfer  $5 each  $5 each  $5 each
NSF (non-sufficient funds) $26 each $26 each $26 each
Premium Overdraft  $26 each  $26 each   N/A


* Includes any items debited from the account (i.ee. 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.) Check cashing fee applies to checks deposited if account balance <$500.


***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 
Items cleared* - Business Money Market (after 6 preauthorized, automated or check withdrawals) $5 each
Items deposited** - Business Money Market $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.)


 

OTHER BUSINESS ACCOUNT FEES

 Description  Fee/Charge
Cashier's check $1 each
Certified check $3 each
Fax $1/page local
$3/page non-local
Invalid address $5/month
Levy/Garnishment processing $20 each
Money orders $1 each
Phone transfer of funds through credit union employee $2 each
Photocopies (per page) $0.15 each after 3 pages
Safe Deposit Boxes  3x5 …….. $20
3x10 …… $28
5x5 …….. $25
5x10 …… $35
10x10 …. $50
 Stop payment (checks, electronic)  $20 each
 Unclaimed account processing fee (if dormant 5 years, fee applied when turned over to state) $100 each
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