Certificates

Capital Share Certificates work like bank CDs. Our rates are highly competitive and the longer the term, the greater the dividends. But our Share Certificates come with the added warm-fuzzy of knowing your deposit is helping fellow Sconnies.


First, decide what type of certificate you want, then choose a term.There are no markets to watch and no risks to consider. Just watch the high rate of return blow away what you earn on a basic savings account.

Traditional Share Certificate
  • Competitive rates
  • Greater earning than basic savings account
  • Fixed rates guaranteed for length of term
  • Terms from 3 months to 5 years
  • $1,000 minimum deposit to open
  • Federally insured by NCUA
  • Penalty on earnings for early withdrawal

Saving for college, a car, a home or other big-ticket item? Check out the Member's Choice Certificate tab above.


Click here to view terms and conditions.

Check out our current rates.

Click here to view our personal fee schedule.

Member's Choice Certificate

Like a Traditional Share Certificate, a Member's Choice Certificate lets you earn more dividends than a basic savings account. But instead of starting with a big wad of cash, you can build your savings gradually with monthly direct deposits.


It's an easy way to save for college, a car, a down payment for a home, or anything else on your big-item list.

  • Competitive rates
  • Greater earning than basic savings account
  • No minimum balance
  • Pre-authorized monthly direct deposits (required)
  • Make additional deposits online or in person
  • Choose your first maturity date - 12 month automatic renewal after
  • One penalty-free withdrawal each term
  • Federally insured by NCUA

Click here to view terms and conditions.

Check out our current rates.

Click here to view our personal fee schedule.

What's the Deal?

Credit unions call their certificates "share certificates" instead of "certificates of deposit" or "CDs." What's the deal with that?


This is because our members are part owners, not just customers. So certificates at Capital Credit Union can be seen as "shares" in our company. This is also why we pay "dividends" instead of "interest."


A bank uses the money they have on deposit from CDs differently. Since they know exactly how long they will have the deposit, they use the money themselves to invest in greater returns. We do the same thing.


The difference is banks use the money they earn to pay giant bonuses to executives and make a handful of investors even richer. But Capital uses the money we earn to pay greater dividends to our shareholders...which is every single one of our members—like you!