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. 

LOAN RATES

Type of Loan Term Rates as low as
Loans with Collateral (Cars, Trucks, Boats, etc.) 36 Months 3.49% APR*†  $29.30 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 48 Months 3.49% APR*†  $22.36 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 60 Months 3.74% APR*†  $18.31 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 72 Months 4.24% APR*†  $15.76 monthly payment per $1000 borrowed
Loans with Collateral (Cars, Trucks, Boats, etc.) 84 Months 5.24% APR*†  $14.25 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 10/01/18. 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.
ACCOUNT MINIMUM AMOUNT TO EARN DIVIDENDS DIVIDEND RATE APY* COMPOUND
Cha Ching™ Checkingǂ $0.01 - $25,000.00 3.20% 3.25% Monthly
Cha Ching™ Checkingǂ $25,000.01 + 0.25%  0.25% Monthly
Cha Ching™ Checkingǂ Non-Qualifying Rate  0.25% 0.25% Monthly
Business Premium Checking** $5,000 - $24,999.99 0.20%  0.20% Monthly
Business Premium Checking** $25,000 - $49,999.99  0.30% 0.30% Monthly
Business Premium Checking** $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.
Account Minimum Amount to
Earn Dividends
Dividend Rate APY* Compound
Membership Savings $25.00 + 0.30% 0.30% Monthly
Health Savings Account (HSA) $500.00 + 0.75% 0.75% Monthly
Money Market Platinum/IRA*** $2,500 - $4,999.99 0.40% 0.40% Monthly
Money Market Platinum/IRA*** $5,000 - $14,999.99 0.60% 0.60% Monthly
Money Market Platinum/IRA*** $15,000 - $24,999.99 0.75% 0.75% Monthly
Money Market Platinum/IRA*** $25,000 - $49,999.99 1.00% 1.00% Monthly
Money Market Platinum/IRA*** $50,000 - $99,999.99 1.09% 1.10% Monthly
Money Market Platinum/IRA*** $100,000 - $249,999.99 1.24% 1.25% Monthly
Money Market Platinum/IRA*** $250,000.00 + 1.34% 1.35% Monthly
Business Savings $1,000.00 + 0.30% 0.30% Monthly
Business Money Market*** $25,000-$49,999.99 0.85% 0.85% Monthly 
Business Money Market*** $50,000-$99,999.99 0.94%  0.94%   Monthly
Business Money Market***  $100,000 + 1.09%   1.10% Monthly

*APY=Annual Percentage Yield, effective 9/19/2018. 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.

CERTIFICATE/IRA SPECIALS


Term Minimum amount to
earn dividends
Dividend rate APY* Compound
9 Month $1,000 1.49% 1.50% Quarterly
15 Month $5,000 2.48% 2.50% Quarterly

Automatically renewable account - The 9 month certificate will automatically renew to a 6 month term and rate at maturity. The 15 month certificate will automatically renew to a 12 month term and rate at maturity. 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).

Rates effective 10/17/2018. 

*APY=Annual Percentage Yield, effective 10/17/2018. 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.

REGULAR RATES

Account Term Minimum Amount To
Earn Dividends
Dividend Rate APY* Compound
Members Choice (Cert/IRA)
Direct Deposit Only
12 Months N/A 1.24% 1.25% Quarterly
Certificates / IRA 3 to 5 Months $1,000.00 0.75% 0.75% Quarterly
Certificates / IRA 6 to 11 Months $1,000.00 1.24% 1.25% Quarterly
Certificates / IRA 12 to 17 Months $1,000.00 1.84% 1.85% Quarterly
Certificates / IRA 18 to 23 Months $1,000.00 2.08% 2.10% Quarterly
Certificates / IRA 24 to 35 Months $1,000.00 2.33% 2.35% Quarterly
Certificates / IRA 36 to 47 Months $1,000.00 2.48% 2.50% Quarterly
Certificates / IRA 48 to 59 Months $1,000.00 2.62% 2.65% Quarterly
Certificates / IRA 60 Months $1,000.00 2.77% 2.80% Quarterly
IRA- Savings Open Deposit $25.00 0.30% 0.30%  Monthly

*APY=Annual Percentage Yield, effective 9/19/2018. 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.

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 - Local $1/page
Fax - Nonlocal $3/page
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
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
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.

***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 - Local $1/page
Fax - Nonlocal $3/page
Invalid address $5/month
Levy/Garnishment processing $20 each
Money orders $1 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