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Arms dressed in business suit shaking hands

Business Accounts

CapEd offers deposit account options for small, mid-size, and large businesses and organizations.

Open a Business Account

If you're ready to open a business account, review the Business Account Checklist for the required documentation. Call, email, or visit a CapEd location when you're ready to get started.

Business Savings

Earn monthly dividends on your deposits.

Account Type Minimum Balance Dividend Rate APY1 Free Withdrawals
per month
Basic $5.00 0.05% 0.05% 6
Commercial $2,500 - $24,999.99 0.15% 0.15% 6
$25,000 - $49,999.99 0.20% 0.20% 6
$50,000 - $249,999.99 0.25% 0.25% 6
$250,000+ 0.30% 0.30% 6


Business Checking

Multiple options to suit your business needs including dividend-bearing accounts. Every business checking account receives a business debit card.

Basic

Account Type Minimum to Open Minimum to Waive Fee APY1 Monthly Debit and
Credit Transactions
Basic $0.00 N/A 0.00% 150

Commercial

Account Type Minimum to Open Minimum to Earn APY APY1 Monthly Debit and
Credit Transactions
Commercial $300.00 $5,000.00 0.15% 300
$300.00 $25,000.00 0.20% 300
$300.00 $50,000.00 0.25% 300
$300.00 $250,000.00 0.30% 300


Share Certificates

Select from multiple term options to deposit your funds for a higher return. Rates current as of .


Term Minimum Deposit Dividend Rate APY1
6 Months $ % %
12 Months $ % %
18 Months $ % %
24 Months $ % %
36 Months $ % %
48 Months $ % %
60 Months $ % %

  All promotional certificates must be opened with funds that are not currently held in a CapEd Credit Union account or that have been deposited to a CapEd Credit Union account less than 30 days.

Term Minimum Deposit Dividend Rate APY2
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 % %


Visa® Credit Card

Maximize your cash flow and earn rewards with the convenience of the CapEd Business Visa® Credit Card.

  • No annual fee
  • No balance transfer fee
  • Travelers' insurance

Business Relations

Did you know CapEd offers business services, too? We offer ACH origination, entitlements, business remote and mobile deposits, merchant services, and more! Discover what the Business Relations Experience team can do for your business today.

Disclosures

1 APY is Annual Percentage Yield. Rates are accurate as of the last dividend declaration date and may change after the account is opened. Fees or other conditions could reduce the earnings on the account.

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

Promotional rates are offered for a limited time.