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Certificates

A CapEd Certificate is a great way to save and earn a higher dividend rate than other savings or checking accounts.

Dollars and coins

What is a Certificate?

A Certificate is a savings account that earns a higher dividend rate over time than a standard savings account. Generally, a certificate is used if you have money you want to stash away for months or years that you don't need to use in the immediate future. The money in the certificate account will earn dividends at a fixed rate while it sits there waiting for its maturity date.

Certificate Options

CapEd offers three primary certificate options:

Share Certificates

With as little as $500, members can invest in a fixed rate share certificate and maximize their earnings. A minimum balance of $500 is required with terms of 6 to 60 months available.

Smart Step Certificates

A Smart Step Certificate can be opened by or for members under age 25. A minimum deposit of $25 is all that is required for a Smart Step Certificate. 6 month and 12 month options are available.

Benefits and Features

  • No monthly service charges
  • Earns a fixed rate dividend until maturity
  • Terms of 6 months to 60 months
  • Paper or e-statements
  • Earns dividends that are compounded and credited quarterly
  • Dividends may be accumulated in the account or transferred to another account
  • Federally insured by NCUA

Rates

Rates current as of .

Term Minimum Deposit Dividend Rate APY1
12 Months $ % %
24 Months $ % %
60 Months $ % %

Term Minimum Deposit Dividend Rate APY1
6 Months $ % %
12 Months $ % %

Term Minimum Deposit Dividend Rate APY1
6 Months $500 % %
$10,000 % %
$50,000 % %
12 Months $500 % %
$10,000 % %
$50,000 % %
18 Months $500 % %
$10,000 % %
$50,000 % %
24 Months $500 % %
$10,000 % %
$50,000 % %
36 Months $500 % %
$10,000 % %
$50,000 % %
48 Months $500 % %
$10,000 % %
$50,000 % %
60 Months $500 % %
$10,000 % %
$50,000 % %


Request a Certificate Account

Make a request for a Share Certificate Account or a Smart Step Certificate Account.


Resources

Calculators to help you find out how much interest you can earn on a Share Certificate.


Disclosures

1 APY is Annual Percentage Yield. The APY is accurate as of the effective date indicated. Fees or other conditions could reduce earnings on the account. A penalty may be imposed for withdrawals before maturity.

Promotional rates are offered for a limited time.

For more information, please see our Truth in Savings Disclosure .