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Certificates

Plant pot in the shape of a dollar sign with a flower growing out of the top of it.

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 Certificate

Benefits & 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.
4.80% APY1

Shortest Term Available for promotional certificates.
6 Months

Longest Term Available for promotional certificates.
5 Years

Promotional certificate rates.
TermMinimum DepositDividend RateAPY2
6 Months$500.004.72%4.80%
12 Months$500.004.62%4.70%
18 Months$500.004.18%4.25%
24 Months$500.003.94%4.00%
36 Months$500.003.70%3.75%
48 Months$500.003.455%3.50%
60 Months$500.003.21%3.25%

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.
0.95% APY1

Shortest Term Available for standard certificates.
6 Months

Longest Term Available for standard certificates.
5 Years

Standard certificate rates.
TermMinimum DepositDividend RateAPY2
6 Months$500.000.15%0.15%
$10,000.000.25%0.25%
$50,000.000.30%0.30%
12 Months$500.000.25%0.25%
$10,000.000.35%0.35%
$50,000.000.40%0.40%
18 Months$500.000.30%0.30%
$10,000.000.40%0.40%
$50,000.000.45%0.45%
24 Months$500.000.40%0.40%
$10,000.000.50%0.50%
$50,000.000.55%0.55%
36 Months$500.000.50%0.50%
$10,000.000.60%0.60%
$50,000.000.65%0.65%
48 Months$500.000.60%0.60%
$10,000.000.70%0.70%
$50,000.000.75%0.75%
60 Months$500.000.80%0.80%
$10,000.000.90%0.90%
$50,000.000.95%0.95%

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.
4.80% APY1

Shortest Term Available for smart step certificates.
6 Months

Longest Term Available for smart step certificates.
1 Year

Smart Step certificate rates.
TermMinimum DepositDividend RateAPY2
6 Months$25.004.72%4.80%
12 Months$25.004.62%4.70%

Request a Certificate

Certificate Resources

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

Share Certificate Calculator

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..