Tiering Method | ND Credit Union Savings Accounts

Here's how to know how much your balances will earn.

We offer many options when it comes to creating and building your savings. In short, the more money you have on deposit, the higher your dividend yields.

Regular Share (S1)

Tier 1: If your daily balance is $1,999.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,000, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

Thrive Savings (S45)

Tier 1: If your average daily balance is at least $1,000.00, the prospective dividend rate paid on the balance of $0 - $20,000 will be 1.60% APR with a prospective annual percentage yield of 1.61% for the dividend period.

Tier 2: If your average daily balance is at least $1,000.00, the prospective dividend rate paid on the balance of $20,000.01 or more will be 0.05% APR with a prospective blended annual percentage yield of 0.09% -1.61% for the dividend period.

CU Save (S50)

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,000, with a prospective annual percentage yield ranging from 0.05% to 0.05%* depending on the balance in the account, for this dividend period.

Traditional IRA Share (S20), Roth IRA Share (S23, S24), Education Share (S22)

Tier 1: If your daily balance is $2,499.99 or less, the prospective dividend rate paid on the entire balance will be 0.05% with a prospective annual percentage yield of 0.05% for this dividend period.

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, but less than $9,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 3: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $10,000, but less than $19,999.99 with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.

Tier 4: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $20,000 or greater, but less than $49,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.08% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $50,000 or greater, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.08% to 0.10% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is $250,000 or greater, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.10% to 0.10% depending on the balance in the account, for this dividend period.

Tier 7: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $500,000, with a prospective annual percentage yield ranging from 0.10% to 0.10%* depending on the balance in the account, for this dividend period.

Money Market (S3, S4, S40)

Tier 4: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $20,000, but less than $49,999.99, with a prospective annual percentage yield ranging from 0.05% to 0.08% depending on the balance in the account, for this dividend period.

Tier 5: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $50,000, but less than $249,999.99, with a prospective annual percentage yield ranging from 0.08% to 0.10% depending on the balance in the account, for this dividend period.

Tier 6: The prospective dividend rate on your account is 0.10% and will be paid only on the portion of your daily balance that is greater than $250,000, but less than $499,999.99, with a prospective annual percentage yield ranging from 0.10% to 0.10% depending on the balance in the account, for this dividend period.

Classic Checking

Tier 1: The prospective dividend rate on your account is 1.00% and will be paid only on the portion of your daily balance that is greater than $2,500 but less than $25,000, if the following qualifications are met: (1) must be a member in good standing, (2) have 12 or more qualifying transactions that post and clear during each monthly qualification period on your Capital Credit Union debit or credit card and (3) maintain a minimum average daily balance of $2,500 in your Classic Checking account.

Tier 2: The prospective dividend rate on your account is 0.05% if you fail to meet the qualifications and your daily balance is greater than $2,500 or if you meet the qualifications and your daily balance is greater than $25,000, with a prospective annual percentage yield ranging from 0.00% to 0.05% depending on meeting the qualifications and the balance in the account, for this dividend period.

Business Checking (S12, S15)

Tier 1: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $500, with a prospective annual percentage yield ranging from 0.00% to 0.05%* depending on the balance in the account, for this dividend period.

Premium Business Checking (S13)

Tier 2: The prospective dividend rate on your account is 0.05% and will be paid only on the portion of your daily balance that is greater than $2,500, with a prospective annual percentage yield ranging from 0.05% to 0.05% depending on the balance in the account, for this dividend period.