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 month2 |
|---|---|---|---|---|
| Basic | $5.00 | 0.05% | 0.05% | 6 |
| Standard | $1,000 - $24,999.99 | 0.10% | 0.10% | 6 |
| $25,000 - $49,999.99 | 0.15% | 0.15% | 6 | |
| $50,000 - $249,999.99 | 0.20% | 0.20% | 6 | |
| $250,000+ | 0.25% | 0.25% | 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 and Standard
| Account Type | Minimum to Open | Minimum to Waive Fee2 | APY1 | Monthly Debit and
Credit Transactions2 |
|---|---|---|---|---|
| Basic | $0.00 | N/A | 0.00% | 150 |
| Standard | $100.00 | $1,000.00 | 0.00% | 250 |
Commercial
| Account Type | Minimum to Open | Minimum to Earn APY | APY1 | Monthly Debit and
Credit Transactions2 |
|---|---|---|---|---|
| Commercial | $300.00 | $2,500.00 | 0.15% | 350 |
| $300.00 | $25,000.00 | 0.20% | 350 | |
| $300.00 | $50,000.00 | 0.25% | 350 | |
| $300.00 | $250,000.00 | 0.30% | 350 |
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 | $ | % | % |
| 24 Months | $ | % | % |
| 36 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 | APY3 |
|---|---|---|---|
| 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.