Rates and Fees













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Loan Rates

Type of Loan Term Rate
Loans with Collateral
(Cars, Trucks, Boats, etc.)		 36 Months
5.24% APR*

$30.08 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)		 48 Months
5.24% APR*

$23.14 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)		 60 Months
5.24% APR*

$18.99 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)		 72 Months
5.49% APR*

$16.34 monthly payment per $1000 borrowed
Loans with Collateral
(Cars, Trucks, Boats, etc.)		 84 Months
6.49% APR*

$14.85 monthly payment per $1000 borrowed
Home Loans Terms Vary Visit Mortgage Rates page
Signature Terms Vary 11.45% APR*
Kwik Cash Terms Vary 18.00% APR*
Savings Secured Terms Vary 5.00% APR*
Credit Builder Terms Vary 5.00 % APR*

Apply Now

*APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications and collateral and are subject to change without notice. Rates effective 11/15/2024. All loans are subject to approval.
Other rates and terms are also available. Contact a Member Service Representative to ask about membership relationship pricing or to apply 920-494-2828 or toll free 800-728-4294.

CHECKING ACCOUNT RATES

Account Minimum Amount to Earn Dividends Dividend Rate APY* Compound
ChaChing™ Checkingǂ $0.01 - $15,000.00 3.93% 4.00% Monthly
ChaChing™ Checkingǂ $15,000.01 + 0.15% 0.15%+ Monthly
ChaChing™ Checkingǂ Non-Qualifying Rate 0.01% 0.01% Monthly
Business Premium Checking** $5,000 - $24,999.99 0.10% 0.10% Monthly
Business Premium Checking** $25,000 - $49,999.99 0.15% 0.15% Monthly
Business Premium Checking** $50,000 + 0.25% 0.25 % Monthly
Business Elite Checking $5,000 + 0.10% 0.10% Monthly


ǂCha Ching™ checking qualification requirements: Sign up & receive free eStatements; ACH direct deposit(s) totaling at least $400 post & clear monthly; 12 debit purchases of at least $5 post and clear prior to 6PM on the last day of the month. Fees may reduce earnings.
*APY=Annual Percentage Yield. Rates effective 5/1/2023. This is a variable rate account. Rates are subject to change without notice. Rates and APYs may change after the account is opened and fees may reduce earnings.
+The APY for this tier will depend on the balance in this account. The range shown is calculated based on a range of balances from $15,000.01 to $250,000.00.
**Subject to fees based on balance, fees may reduce earnings.

Savings Account Rates

Account Minimum to Open & Earn Dividends Dividend Rate** APY* Compound
Membership Savings $25.00 + 0.15% 0.15% Monthly
Regular Savings $25.00 + 0.15% 0.15% Monthly
Health Savings Account (HSA) $500.00 + 0.75% 0.75% Monthly
Business Membership  Savings $1,000.00 + 0.10% 0.10% Monthly
Business Regular  Savings $1,000.00 + 0.10% 0.10% Monthly

*APY=Annual Percentage Yield. Rates effective 04/07/2023
**This is a variable rate account. Rates are subject to change without notice. Rates and APYs may change after the account is opened and fees may reduce earnings.

Money Market Platinum Rates

Minimum to Open & Earn Dividends Dividend Rate** APY* Compound
$2,500 - $4,999.99 0.55% 0.55% Monthly
$5,000 - $14,999.99 0.95% 0.95% Monthly
$15,000 - $24,999.99 1.00% 1.00% Monthly
$25,000 - $49,999.99 1.34% 1.35% Monthly
$50,000 - $99,999.99 1.64% 1.65% Monthly
$100,000 - $249,999.99 1.98% 2.00% Monthly
$250,000.00 + 2.47% 2.50% Monthly


Money Market Platinum Select Rates

Minimum to Open & Earn Dividends Dividend Rate** APY* Compound

$2,500 - $49, 999.99

0.10%

0.10%

 Monthly

$50,000 - $99,999.99

1.49%

1.50%

 Monthly

$100,000 - $249,999.99

3.200 %

3.25%

 Monthly

$250,000 - $499,999.99

3.690 %

3.75%

 Monthly

$500,000 - $749,999.99

3.930%

4.00%

 Monthly

$750,000 - $999,999.99

4.070 %

4.15%

 Monthly

$1,000,000+

4.170 %

4.25%

 Monthly

*APY=Annual Percentage Yield. Rates effective 12/16/2024.
**This is a variable rate account. Rates are subject to change without notice. Rates and APYs may change after the account is opened and fees may reduce earnings.

Business Money Market Rates

Minimum to Open & Earn Dividends Dividend Rate** APY* Compound
$2,500 - $4,999.99 0.55% 0.55% Monthly
$5,000 - 14,999.99 0.85% 0.85% Monthly
$15,000 - $24,999.9 0.95% 0.95% Monthly
$25,000- $49,999.99 1.34% 1.35% Monthly
$50,000- $99,999.99 1.64% 1.65% Monthly
$100,000 - $249,000.00 1.98% 2.00% Monthly
$250,000 + 2.47% 2.50% Monthly


Business Select Money Market Rates

Minimum to Open & Earn Dividends Dividend Rate** APY* Compound

$2,500 - $49, 999.99

0.10%

0.10%

 Monthly

$50,000 - $99,999.99

 1.49% 1.50% Monthly

$100,000 - $249,999.99

3.200 %

3.25%

 Monthly

$250,000 - $499,999.99

3.690 %

3.75%

 Monthly

$500,000 - $749,999.99

3.930%

4.00%

 Monthly

$750,000 - $999,999.99

4.070 %

4.15%

 Monthly

$1,000,000+

4.170 %

4.25%

 Monthly

*APY=Annual Percentage Yield. Rates effective 12/16/2024.
**This is a variable rate account. Rates are subject to change without notice. Rates and APYs may change after the account is opened and fees may reduce earnings.

Certificate Special Rates

Termǂ Minimum to Open & Earn Dividends Dividend Rate APY* Compound
8 Month ** $5,000.00 4.43% 4.50% Quarterly
8 Month
with active checking account or new money deposited**		 $5,000.00 4.47% 4.55% Quarterly
8 Month
with active checking and new money**		 $5,000.00 4.52% 4.60% Quarterly
16 Month ** $5,000.00 3.94% 4.00% Quarterly
16 Month
with active checking account or new money deposited**
 $5,000.00 
 3.99% 4.05% Quarterly
16 Month
with active checking and new money**		 $5,000.00  4.04% 4.10% Quarterly

Members Choice Certificate Rates (Direct deposit only)

Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
12 Months $1.00 2.48% 2.50% Quarterly

Certificate Rates

Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
3 - 5 Months $1,000.00 1.99% 2.00% Quarterly
6 - 11 Months $1,000.00 2.48% 2.50% Quarterly
12 -17 Months $1,000.00 2.97% 3.00% Quarterly
18 - 23 Months $1,000.00 3.210% 3.25% Quarterly
24 - 35 Months $1,000.00 3.455 % 3.50% Quarterly
36 - 47 Months $1,000.00 3.700 % 3.75% Quarterly
48 - 59 Months $1,000.00 3.800 % 3.85% Quarterly
60 Months $1,000.00 3.890 % 3.95% Quarterly

Open My Certificate

*APY=Annual Percentage Yield, Rates effective 11/12/2024. Certificates may have penalty for early withdrawal. Fees may reduce earnings and/or principal on the account. Rates subject to change without notice. Rates do not apply to institutional or government deposits.
ǂ Automatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 5 month certificate will renew into an 6 month term.
-The 8 month certificate will renew into an 6 month term.
-The 27 month certificate will renew into an 24 month term.
You may prevent renewal if you close the account at maturity. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.
**Minimum Balance Requirements - $5,000 required to open and earn dividends. APY increase of .05% available if the $5,000 is New Money or with an Active Checking account. APY increase of .10% if the $5,000 is New Money and with an Active Checking account. New Money are funds not already on deposit with Capital Credit Union.  An Active Checking account has at least $400 in deposits each month and 12 withdrawals of $5 or more during the month. Member needs to request New Money and/or Active Checking APY increase. Increase is not automatically given. APY increase is effective to the day of the request.
All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure, shall remain in full force and effect.

Members Choice IRA Rates (Direct Deposit Only)

Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
12 Month $1.00 2.48% 2.50% Quarterly

IRA Certificate Special Rates

Termǂ Minimum to Open & Earn Dividends Dividend Rate APY* Compound
8 Month ** $5,000.00 4.43% 4.50% Quarterly
16 Month ** $5,000.00 3.94  % 4.00 % Quarterly
 

Certificates/IRA Rates

Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
3-5 Months $1,000.00 1.99% 2.00% Quarterly
6-11 Months $1,000.00 2.48% 2.50% Quarterly
12-17 Months $1,000.00 2.97% 3.00% Quarterly
18-23 Months $1,000.00 3.210% 3.25% Quarterly
24-35 Months $1,000.00 3.455 % 3.50% Quarterly
36-47 Months $1,000.00 3.700 % 3.75% Quarterly
48-59 Months $1,000.00 3.800 % 3.85% Quarterly
60 Months $1,000.00 3.890 % 3.95% Quarterly


Money Market Platinum/IRA Rates

Minimum to Open & Earn Dividends Dividend Rate APY* Compound
$2,500-$4,999.99 0.55% 0.55% Monthly
$5,000-$14,999.99 0.95% 0.95 % Monthly
$15,000-$24,999.99 1.00% 1.00% Monthly
$25,000-$49,999.99 1.34 % 1.35% Monthly
$50,000-$99,999.99 1.64% 1.65% Monthly
$100,000-$249,999.99 1.98% 2.00% Monthly
$250,000.00+ 2.47% 2.50% Monthly


Money Market Platinum Select/IRA Rates

Minimum to Open & Earn Dividends Dividend Rate APY* Compound

$2,500 - $49, 999.99

0.10%

0.10%

 Monthly

$50,000 - $99,999.99

1.49%

1.50%

 Monthly

$100,000 - $249,999.99

3.200 %

3.25%

 Monthly

$250,000 - $499,999.99

3.690 %

3.75%

 Monthly

$500,000 - $749,999.99

3.930%

4.00%

 Monthly

$750,000 - $999,999.99

4.070 %

4.15%

 Monthly

$1,000,000+

4.170 %

4.25%

 Monthly
 

IRA - Savings Rate

Term Minimum to Open & Earn Dividends Dividend Rate APY* Compound
Open Deposit $25.00 0.15% 0.15% Monthly


*APY=Annual Percentage Yield, Rates effective 11/12/2024. Certificates may have penalty for early withdrawal. Fees may reduce earnings and/or principal on the account. Rates subject to change without notice. Rates do not apply to institutional or government deposits.
ǂ Automatically renewable account - This account will automatically renew at maturity based on the following terms:
-The 5 month certificate will renew into an 6 month term.
-The 8 month certificate will renew into an 6 month term.
-The 27 month certificate will renew into an 24 month term.
You may prevent renewal if you close the account at maturity. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity.

**Minimum Balance Requirements - $5,000 required to open and earn dividends. APY increase of .05% available if the $5,000 is New Money. New Money are funds not already on deposit with Capital Credit Union. APY increase of .05% available with an Active Checking account. An Active Checking account has at least $400 in deposits each month and 12 withdrawals of $5 or more during the month. Member needs to request New Money and/or Active Checking APY increase. Increase is not automatically given. APY increase is effective to the day of the request.

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.

All other terms for the Term Share Certificate as listed in the Understanding Your Account Brochure, shall remain in full force and effect.


Wire Transfer Fees

Description Fee/Charge
Wire In Fee $10 each
Wire Out Fee - Domestic $25 each
Wire Out Fee - International $150 each

Overdraft Fees

Description Fee/Charge
OD Protection Transfer Fee
Overdraft protection transfer or advance
 $5 each
UC Protection Transfer Fee
Uncollected protection transfer or advance, item is greater than available balance due to a hold
 $5 each
Insufficient Funds Fee
Returned item/overdraft (NSF) with no/insufficient overdraft coverage
 $20 each, 
Limit 2/calendar day
Insufficient Funds Fee*
Paid Item with Premium Overdraft
 $20 each, 
Limit 2/calendar day
Insufficient Funds Fee*
Member-requested advance of Premium Overdraft completed by CCU personnel
 $20 each, 
Limit 2/calendar day
Uncollected Funds Fee
Returned item/overdraft (NSF) greater than available balance due to a hold and no/insufficient overdraft coverage
 $20 each, 
Limit 2/calendar day
Uncollected Funds Fee*
Paid item greater than available balance due to a hold using Premium Overdraft
 $20 each, 
Limit 2/calendar day
* Fresh Start Checking accounts are ineligible for Premium Overdraft

General Fees

Description fee/charge
Account Inactivity Fee*
No deposits, withdrawals, or loan payments in 12 months & total account(s) balance < $5,000
 $5/month
Account Research Fee
1 hour minimum
 $20/hour
Card Replacement Fee
 $5 each
Cashier's Check Fee $1 each
Check Cashing fee
Non-member cashing on-us checks
$5 each
Check Copy Fee
$2 each
Check Printing Charge
Ordered through outside vendor
 Varies based on style, 
postage fees apply
Returned Item Fee
Includes returned deposited checks, ACH transactions, or loan payments
$10 each
Debit Chargeback Fee $20 each
Early Closure Fee
Account closed within first 90 days after opening
 
$10
Expedited Shipping Fee Varies based on service
International Check Deposit Fee $7 each
Invalid Address Fee $5/month
Levy/Garnishment Fee $100 each
Monthly Service Fee**
MyChoice Checking Monthly Service Fee

$8/month
Monthly Service Fee
Fresh Start Checking Monthly Service Fee

$8/month
Photo Copies/Fax Fee
Photocopies (per page)
Fax

$0.15 each after 3 pages
$1 each
Safe Deposit Boxes
Availability varies by branch
 3x5 - $25
3x10 - $33
5x5 - $30
5x10 - $45
10x10 - $65
Safe Deposit Box Drilling Fee
Outside vendor
 Actual cost
Statement Copy Fee
 $3 each
Stop Payment Fee
Checks, electronic
 $20
 
* Inactivity fee waved if member is under age 18.
** Avoided by maintaining a minimum daily balance of $500 or may be reduced or eliminated by doing the following:-Reduce fee by $2 for receiving free eStatements.-Reduce fee by $2 for having a direct deposit of at least $400.00 into the account every month.-Reduce fee by 20¢ per debit card purchase of at least $5.00 until fee is eliminated. Must be posted and cleared before 6pm on the last day of the month.-Monthly service fee waived if member is age 23 or younger. 

BUSINESS WIRE FEES

11/15/2021
DESCRIPTION fee/charge
Wire In Fee
 $10 each
Wire Out Fee - Domestic
 $25 each
Wire Out Fee - International
  $150 each

ACCOUNT SPECIFIC BUSINESS CHECKING FEES

Description Business Elite Checking Business Premium Checking Organization Checking
Monthly Service Fee $10 (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
Business Activity Fee
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
Business Activity Fee
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, additional bags 
$10 each		 1 Free, additional bags 
$10 each		 1 Free, additional bags 
$10 each
Lock Bags $30 each $30 each $30 each
* Includes any items debited from the account (i.e. 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.). International Check Deposit Fee applied separately.
***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 deposited* $0.12 after 50 items

BUSINESS MONEY MARKET FEES 

Description Fee/Charge
Monthly Service Fee
 $10 (waived with $1,000 min. daily balance)
Items deposited*
 $0.12 after 50 items
* Includes any items debited from the account (i.e. ACH withdrawals, EFT withdrawals, checks from Business Money Market, etc.)

OVERDRAFT FEES

Description Fee/Charge
OD Protection Transfer Fee
Overdraft Protection Transfer or Advance

$5 each
UC Protection Transfer Fee
Uncollected Protection Transfer or Advance, Item is greater than available balance due to a hold

$5 each
Insufficient Funds Fee
Returned Item/Overdraft (NSF) with no/insufficient overdraft coverage

$20 each, Limit 2/calendar day
Insufficient Funds Fee*
Paid Item with Premium Overdraft		 $20 each, Limit 2/calendar day
Insufficient Funds Fee*
Member-Requested Advance of Premium Overdraft completed by CCU personnel

$20 each, Limit 2/calendar day
Uncollected Funds Fee
Returned Item/Overdraft (NSF) greater than available balance due to a hold and no/insufficient overdraft coverage

$20 each, Limit 2/calendar day
Uncollected Funds Fee*
Paid item greater than available balance due to a hold using Premium Overdraft

$20 each, Limit 2/calendar day
* Organization Checking accounts are ineligible for Premium Overdraft



GENERAL BUSINESS ACCOUNT FEES

Description Fee/Charge
Account Inactivity Fee - No deposits,
withdrawals, or loan payments in 12 months &
total account(s) balance < $5,000

$5/month
Account Research Fee
1 hour minimum
$20/hour
Card Replacement Fee $5 each
Cashier's Check Fee $1 each
Check Copy Fee $2 each
Check Printing Charge
Ordered through outside vendor		 Varies based on style,
postage fees apply
Debit Chargeback Fee $20 each
Returned Item Fee
Includes returned deposited checks, ACH
transactions, or loan payments

$10 each
Early Closure Fee
Account closed within first 90 days of opening

$10
Expedited Shipping Fee
Varies based on service
International Check Deposit Fee
$7 each
Invalid Address Fee
$5/month
Levy/Garnishment Processing Fee
$100 each
Non-Member On-Us Check to Cashier’s Check
Non-member converting an on-us check to a
cashier’s check

$5 each
Photocopies/Fax Fee
Photocopies (per page)
Fax

$0.15 each after 3 pages
$1 each
Safe Deposit Boxes
Availability varies by branch
3x5 ................$25
3x10 ..............$33
5x5 ................$30
5x10 ..............$45
10x10……..…...$65
Safe Deposit Box Drilling Fee
Outside vendor
Actual Cost
Statement Copy Fee
$3 each
Stop Payment Fee
Checks, electronic
$20 each

Cash Management

Description Fee/Charge
ACH
ACH Origination
 $20/month
Electronic Data Interchange (EDI)
 $20/month
Positive Pay
ACH Positive Pay
Check Positive Pay
Reverse Positive Pay
$100 set up fee, $25/month per account
$100 set up fee, $25/month per account
$100 set up fee, $25/month per account