Loans
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 | 2.99% APR*† $29.08 monthly payment per $1000 borrowed |
| 48 Months | 3.24% APR*† $22.25 monthly payment per $1000 borrowed | |
| 60 Months | 3.49% APR*† $18.19 monthly payment per $1000 borrowed | |
| 72 Months | 3.99% APR*† $15.65 monthly payment per $1000 borrowed | |
| 84 Months | 4.99% APR*† $14.14 monthly payment per $1,000 borrowed | |
| Signature | Terms May Vary | 8.95% 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 7/30/18. 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 - $25,000.00 | 3.20% | 3.25% | 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 | 0.20% | 0.20% | Monthly |
| $25,000 - $49,999.99 | 0.30% | 0.30% | Monthly | |
| $50,000 + | 0.40% | 0.40% | Monthly | |
| Business Elite Checking | $5,000 + | 0.30% | 0.30% | 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 5/7/2018. Rates subject to change without notice.
**Subject to fees based on balance, fees may reduce earnings.
Savings
*APY=Annual Percentage Yield, effective 5/7/2018. 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.
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.
Certificates & IRAs
bump up certificates
This Share Certificate account has a fixed rate for the term of the certificate, until/unless you exercise your right to increase (or bump) the rate to the current rate being offered by Capital Credit Union on certificates with the same original term. This “bump” can be done one time during the original term of the certificate, but not during any renewal term. Once bumped, the new rate will remain in effect through the rest of the certificate’s original term. No other specials applicable. The Bump-Up exchange in rate will be at no cost (or penalty) to the depositor.
| term |
minimum amount to
earn dividends
|
dividend rate | apy* | compound |
|---|---|---|---|---|
| 36 Months | $5,000 | 2.72% | 2.75% | Quarterly |
| 60 Months | $5,000 | 2.97% | 3.00% | Quarterly |
Automatically renewable account - This account will automatically renew at maturity with the same original term without the Bump-Up Feature. You may prevent renewal if you close the account at maturity (or within the grace period mentioned within the full disclosure under Term Share Certificate in the Understanding Your Account Brochure).
Minimum Balance Requirements - The minimum balance to open this Bump-Up Term Share Certificate is $5,000.00.
Rates effective 7/2/2018. All other terms contained in the Understanding Your Account Brochure including all listed under the Term Share Certificate section, shall remain in full force and effect.
*APY=Annual Percentage Yield, effective 7/2/2018. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates subject to change without notice. Rates do not apply to institutional or government deposits.
Regular Rates
| Account | Term |
Minimum Amount To Earn Dividends |
Dividend Rate |
APY* |
Compound |
|---|---|---|---|---|---|
| Members Choice (Cert/IRA) Direct Deposit Only | 12 Months | N/A | 1.00% | 1.00% | Quarterly |
| Certificates / IRA | 3 to 5 Months | $1,000.00 | 0.75% | 0.75% | Quarterly |
| 6 to 11 Months | $1,000.00 | 1.00% | 1.00% | Quarterly | |
| 12 to 17 Months | $1,000.00 | 1.74% | 1.75% | Quarterly | |
| 18 to 23 Months | $1,000.00 | 1.99% | 2.00% | Quarterly | |
| 24 to 35 Months | $1,000.00 | 2.23% | 2.25% | Quarterly | |
| 36 to 47 Months | $1,000.00 | 2.38% | 2.40% | Quarterly | |
| 48 to 59 Months | $1,000.00 | 2.53% | 2.55% | Quarterly | |
| 60 Months | $1,000.00 | 2.67% | 2.70% | Quarterly | |
| IRA- Savings | Open Deposit | $25.00 | 0.30% | 0.30% | Monthly |
*APY=Annual Percentage Yield, effective 7/30/2018. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates subject to change without notice. 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.
Personal Fee Schedule
6/6/2018
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) | $100 each |
Business fee schedule
6/6/2018
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.
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) | $100 each |
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