New CapEd Debit Mastercards active beginning April 17th. Learn more here.
New CapEd Debit Mastercards active beginning April 17th. Learn more here.
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.
4.80% 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 | 4.72% | 4.80% |
12 Months | $500.00 | 4.62% | 4.70% |
18 Months | $500.00 | 4.18% | 4.25% |
24 Months | $500.00 | 3.94% | 4.00% |
36 Months | $500.00 | 3.70% | 3.75% |
48 Months | $500.00 | 3.455% | 3.50% |
60 Months | $500.00 | 3.21% | 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
Term | Minimum Deposit | Dividend Rate | APY2 |
---|---|---|---|
6 Months | $500.00 | 0.15% | 0.15% |
$10,000.00 | 0.25% | 0.25% | |
$50,000.00 | 0.30% | 0.30% | |
12 Months | $500.00 | 0.25% | 0.25% |
$10,000.00 | 0.35% | 0.35% | |
$50,000.00 | 0.40% | 0.40% | |
18 Months | $500.00 | 0.30% | 0.30% |
$10,000.00 | 0.40% | 0.40% | |
$50,000.00 | 0.45% | 0.45% | |
24 Months | $500.00 | 0.40% | 0.40% |
$10,000.00 | 0.50% | 0.50% | |
$50,000.00 | 0.55% | 0.55% | |
36 Months | $500.00 | 0.50% | 0.50% |
$10,000.00 | 0.60% | 0.60% | |
$50,000.00 | 0.65% | 0.65% | |
48 Months | $500.00 | 0.60% | 0.60% |
$10,000.00 | 0.70% | 0.70% | |
$50,000.00 | 0.75% | 0.75% | |
60 Months | $500.00 | 0.80% | 0.80% |
$10,000.00 | 0.90% | 0.90% | |
$50,000.00 | 0.95% | 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
Term | Minimum Deposit | Dividend Rate | APY2 |
---|---|---|---|
6 Months | $25.00 | 4.72% | 4.80% |
12 Months | $25.00 | 4.62% | 4.70% |
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..