Certificates
A CapEd Certificate is a great way to save and earn a higher dividend rate than other savings or checking accounts.
Start Saving with a CertificateBenefits & 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
Certificate Options
CapEd offers two primary certificate options of Share Certificates, which include a promotional rate, and Smart Step Certificates.
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.
Promotional Certificates
Minimum Deposit for promotional certificates.
$500.00
Highest Dividend Available for promotional certificates.
4.45% APY1
Shortest Term Available for promotional certificates.
6 Months
Longest Term Available for promotional certificates.
5 Years
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $500.00 | 4.38% | 4.45% |
| 12 Months | $500.00 | 3.94% | 4.00% |
| 18 Months | $500.00 | 3.455% | 3.50% |
| 24 Months | $500.00 | 3.455% | 3.50% |
| 36 Months | $500.00 | 2.97% | 3.00% |
| 48 Months | $500.00 | 2.97% | 3.00% |
| 60 Months | $500.00 | 2.97% | 3.00% |
Important Information: 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.
Standard Certificates
Minimum Deposit for standard certificates.
$500.00
Highest Dividend Available for standard certificates.
2.45% APY1
Shortest Term Available for standard certificates.
6 Months
Longest Term Available for standard certificates.
5 Years
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $500.00 | 2.33% | 2.35% |
| $10,000.00 | 2.38% | 2.40% | |
| $50,000.00 | 2.43% | 2.45% | |
| 12 Months | $500.00 | 2.28% | 2.30% |
| $10,000.00 | 2.33% | 2.35% | |
| $50,000.00 | 2.38% | 2.40% | |
| 18 Months | $500.00 | 2.23% | 2.25% |
| $10,000.00 | 2.28% | 2.30% | |
| $50,000.00 | 2.33% | 2.35% | |
| 24 Months | $500.00 | 2.18% | 2.20% |
| $10,000.00 | 2.23% | 2.25% | |
| $50,000.00 | 2.28% | 2.30% | |
| 36 Months | $500.00 | 1.84% | 1.85% |
| $10,000.00 | 1.89% | 1.90% | |
| $50,000.00 | 1.94% | 1.95% | |
| 48 Months | $500.00 | 1.74% | 1.75% |
| $10,000.00 | 1.79% | 1.80% | |
| $50,000.00 | 1.84% | 1.85% | |
| 60 Months | $500.00 | 1.49% | 1.50% |
| $10,000.00 | 1.54% | 1.55% | |
| $50,000.00 | 1.59% | 1.60% |
Smart Step Certificates
A Smart Step Certificate can be opened by or for members under age 26. A minimum deposit of $25 is all that is required for a Smart Step Certificate. 6-month and 12-month options are available. You can make deposits into a Smart Step Certificate at any time.
Minimum Deposit for smart step certificates.
$25.00
Highest Dividend Available for smart step certificates.
4.45% APY1
Shortest Term Available for smart step certificates.
6 Months
Longest Term Available for smart step certificates.
1 Year
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $25.00 | 4.38% | 4.45% |
| 12 Months | $25.00 | 3.94% | 4.00% |
Request a Certificate
Certificate Resources
Calculators to help you find out how much interest you can earn on a Share Certificate.
Find out how much of a dividend you can earn on a certificate.
Share Certificate Ladder Calculator
Examine the benefits of investing in a series of certificates with different maturities, also called a Certificate Ladder.
Questions?
Disclosures
1 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 offered for a limited time.
For more information, please see our Truth in Savings Disclosure Opens in new tab. Link is a PDF document..
