Certificates
A CapEd Certificate is a great way to save and earn a higher dividend rate than other savings or checking accounts.
What is a Certificate?
A Certificate is a savings account that earns a higher dividend rate over time than a standard savings account. Generally, a certificate is used if you have money you want to stash away for months or years that you don't need to use in the immediate future. The money in the certificate account will earn dividends at a fixed rate while it sits there waiting for its maturity date.
Certificate Options
CapEd offers two primary certificate options:
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.
Smart Step Certificates
A Smart Step Certificate can be opened by or for members under age 25. A minimum deposit of $250 is all that is required for a Smart Step Certificate. 6 month and 12 month options are available.
Benefits and 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
Rate Bump Certificate Promotion
For a limited time, open a 24 or 36-month Share Certificate and bump your interest rate once within the life of the certificate to a higher rate! The move is fee-free and a rate bump could help you earn more in the long run than a standard checking account.
View our rate bump rates below then select the prompt that applies to you to get started.
Rate Bump Certificate Rates
| Term | Minimum Deposit | Dividend Rate | APY1 |
|---|---|---|---|
| 24 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % | |
| 36 Months | $500 | % | % |
| $10,000 | % | % | |
| $50,000 | % | % |
Get Started with a Rate Bump Certificate
Rates
Rates current as of .
| Term | Minimum Deposit | Dividend Rate | APY1 |
|---|---|---|---|
| 6 Months | $ | % | % |
| 12 Months | $ | % | % |
| Term | Minimum Deposit | Dividend Rate | APY1 |
|---|---|---|---|
| 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 | % | % |
Request a Certificate Account
Make a request for a Share Certificate Account or a Smart Step Certificate Account.
Resources
Calculators to help you find out how much interest you can earn on a Share Certificate.