Deposit Rates
Rates accurate as of Jan. 1, 2026, and subject to change without notice. Fees may reduce earnings. The rates, fees and charges applicable to your account at Capital Credit Union are provided below. Capital Credit Union may offer rates or amend the rates for these accounts from time to time.
Savings
| Account Type | Minimum | Tier | Rate | APY* |
|---|---|---|---|---|
| Regular Share | $25 | $0 - 1,999.99 2,000.00 - 9,999.99 10,000.00+ |
0.05% 0.05% 0.05% |
0.05% 0.05%-0.05% 0.05%-0.05% |
| Thrive Savings | None | $0 - 20,000.00 20,000.01+ |
1.60%2 0.05%2 |
1.61%2 0.09%2 |
| Growth Savings | None | $0 - 99,999.99 100,000.00+ |
0.00%6 3.00%6 |
0.00%6 3.04%6 |
| Secondary Share | None | All amounts | 0.05% | 0.05% |
| CU Save | None | $0-499.99 500.00-999.99 1,000.00-1,999.99 2,000.00+ |
0.05% 0.05% 0.05% 0.05% |
0.05% 0.05%-0.05% 0.05%-0.05% 0.05%-0.05% |
| Traditional IRA Share5 SEP IRA5 Roth IRA Share5 Education IRA Share5 |
None | $0-2,499.99 2,500.00-9,999.99 10,000.00-19,999.99 20,000.00-49,999.99 50,000.00-249,999.99 250,000.00-499,999.99 500,000.00+ |
0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% |
0.05% 0.05%-0.05% 0.05%-0.05% 0.05%-0.05% 0.05%-0.05% 0.05%-0.05% 0.05%-0.05% |
| Transactional Account | None | All amounts | 0.05% | 0.05% |
| Business Transactional Account | None | All amounts | 0.05% | 0.05% |
Money Market
| Account Type | Minimum | Tier | Rate | APY* |
|---|---|---|---|---|
| Money Market | $2,500 (must maintain minimum to earn dividends) | $0-9,999 10,000-24,999 25,000-49,999 50,000-99,999 100,000-249,999 250,000-499,999 500,000-999,999 1,000,000-1,500,000 |
0.200% 0.500% 0.500% 0.550% 1.500% 1.750% 1.000% 1.000% |
0.20% 0.20%-0.38% 0.38%-0.44% 0.44%-0.50% 0.50%-1.11% 1.11%-1.44% 1.44%-1.23% 1.23%-1.15% |
Checking
| Account Type | Minimum | Tier | Rate | APY* |
|---|---|---|---|---|
| Simple Checking | None | All amounts | None | None |
| Edge | None | All amounts | None | None |
| Classic Checking | $2,500 (must maintain minimum to earn dividends) | $0 - 2,499.99 2,500.00 - 20,000.00** 20,000.01+** **Interest earned on entire balance when minimum is maintained. |
0.00% 3.00%1 0.05%1 |
0.00% 3.04%1 0.05%1 |
| Business Checking | $500 | No dividend paid on min. balance. $500+ |
0.05% |
0.0%-0.05% |
| Business Connect Checking | $500 | No dividend paid on min. balance. $500+ |
0.05% |
0.0%-0.05% |
| Premier Business Checking | None | All amounts | .648% | .65% |
| Share Draft | None | All amounts | None | None |
Certificates of Deposit - $500 Minimum Balance
| Term | Rate3 | Annual Percentage Yield3 |
|---|---|---|
| 3-Month | 3.494% | 3.55% |
| 6-Month | 3.493% | 3.55% |
| 9-Month | 3.397% | 3.45% |
| 12-Month | 3.203% | 3.25% |
| 18-Month | 2.960% | 3.00% |
| 24-Month | 2.911% | 2.95% |
| 36-Month | 2.471% | 2.50% |
| 60-Month | 2.957% | 3.00% |
“Tyler Artlip is awesome, knowledgeable and respectful, and gets the best options for us. We appreciate his candor.”
“Will was the best loan officer and took care of everything. He was very friendly every time I walked into the Northwest Branch.”
“The knowledgeable employees are what make working with Capital Credit Union a great experience.”
“The service we receive is outstanding! From our home loan to everyday needs, we always get great service.”
“I have worked with Lauren Vandal a few times and she is absolutely fantastic. I just referred a friend her way and he was extremely satisfied as well.”
“Normally we work with Kari who we LOVE but she was not there, and Loren stepped right in and got everything we needed done right away!! Awesome customer service!!!”
Penalties apply for early withdrawal of CDs. Penalties can reduce principal. Other restrictions may apply.
*Annual Percentage Yield
1Dividends will be paid to members who meet the following requirements: (1) maintain an average daily balance of $2,500, (2) be a member in good standing, and (3) have 12 or more qualifying transactions that post and clear during each monthly qualification period on their Capital Credit Union debit or credit card. Dividends paid at 3.04% Annual Percentage Yield (APY) on balances up to $20,000 and .05% APY on the portion of the balance exceeding $20,000. Interest calculated at a blended rate between .05%-3.04% APY. If requirements are not met, dividends on accounts meeting the minimum balance will be paid at .05% APY. Dividends will be deposited into the checking account on the last day of the month in which the qualification period ends. Qualifying transactions only include debit or credit card purchases on Capital Credit Union cards; qualifying transactions do not include check purchases or ATM transactions. The qualification period is defined as the first through the last day of the calendar month. Transactions may take one or more business days from the date the transaction was made to post to the checking account. Rates are subject to change. High yield rate is a special promotion, associated rates, terms and conditions may change or be discontinued at any time.
2Average daily balance must be at least $1,000 to earn dividends.
3A member with a good standing Classic Checking account can be granted a CD bump of .10% APY upon request at CD opening or renewal.
4The CD bump of .10% APY is not available on any special CD rate offer.
5Currently unavailable.
6If average daily balance is at least $100,000.00, earn 3.04% APY. Balances $99,999.99 and lower earn 0%. Fees may reduce earnings. Average daily balance must be at least $100,000.00 to earn dividends. Accounts with an average daily balance of less than $100,000.00 will be charged a $10.00 monthly service fee.