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.

  • 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
  • Penalty on earnings for early withdrawal
  • Federally insured by NCUA
  • Can be used for retirement savings

Want to start out small but still earn more than a regular savings account? Check out our Member's Choice Certificate.

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!