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
Primary Certificate 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
4-Month Certificate Features
- No monthly service charges
- No restrictions, no minimum deposits
- No new money requirements
- Penalty-free withdrawals after 7 days
- Paper or e-statements
- Dividends post at maturity
- Dividends can be withdrawn any time during the term after they are credited to the account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. We also offer a 4-Month Certificate that is more flexible than a standard certificate.
4-Month Certificate
Our 4-Month Certificate option has no minimum balance requirements and no restrictions. Funds in the account can be accessed penalty-free after the first 7 days.
4-Month Certificates
Minimum Deposit for 4-month certificates.
$0
Highest Dividend Available for 4-month certificates.
% APY1
Shortest Term Available for 4-month certificates.
4 Months
Longest Term Available for 4-month certificates.
4 Months
Rates current as of
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 4 Months | $ | % | % |
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.
% APY1
Shortest Term Available for promotional certificates.
6 Months
Longest Term Available for promotional certificates.
5 Years
Rates current as of
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $ | % | % |
| 12 Months | $ | % | % |
| 18 Months | $ | % | % |
| 24 Months | $ | % | % |
| 36 Months | $ | % | % |
| 48 Months | $ | % | % |
| 60 Months | $ | % | % |
Standard Certificates
Minimum Deposit for standard certificates.
$500.00
Highest Dividend Available for standard certificates.
% APY1
Shortest Term Available for standard certificates.
6 Months
Longest Term Available for standard certificates.
5 Years
Rates current as of
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $500.00 | % | % |
| $10,000.00 | % | % | |
| $50,000.00 | % | % | |
| 12 Months | $500.00 | % | % |
| $10,000.00 | % | % | |
| $50,000.00 | % | % | |
| 18 Months | $500.00 | % | % |
| $10,000.00 | % | % | |
| $50,000.00 | % | % | |
| 24 Months | $500.00 | % | % |
| $10,000.00 | % | % | |
| $50,000.00 | % | % | |
| 36 Months | $500.00 | % | % |
| $10,000.00 | % | % | |
| $50,000.00 | % | % | |
| 48 Months | $500.00 | % | % |
| $10,000.00 | % | % | |
| $50,000.00 | % | % | |
| 60 Months | $500.00 | % | % |
| $10,000.00 | % | % | |
| $50,000.00 | % | % |
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.
% APY1
Shortest Term Available for smart step certificates.
6 Months
Longest Term Available for smart step certificates.
1 Year
Rates current as of
| Term | Minimum Deposit | Dividend Rate | APY2 |
|---|---|---|---|
| 6 Months | $ | % | % |
| 12 Months | $ | % | % |
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.
