Certificates of Deposit

We offer a variety of term lengths with competitive rates to choose from.

VIEW CURRENT CD RATES

Savings and Investment Accounts

Our Savings and Investment accounts offer enough flexibility and competitive rates to serve your needs.

 Capital Business SavingsCommunity SavingsBusiness Money MarketBusiness Certificates of Deposit
Receive competitive interest rates and avoid a monthly maintenance fee with a low minimum balance requirementThis is a savings account designed for nonprofit businesses with a low minimum balance requirementThis variable-rate account for all businesses offers limited check writing and a competitive market rate of interestCertificates of deposit have flexible terms and are perfect for time-specific savings or low-risk investments
Minimum Opening Deposit$200$200$200$1000
Minimum Daily Balance to Waive Fee$200$200$2,500No Fee
Monthly Maintenance Fee$5 plus $2 per withdrawal over six$5 plus $2 per withdrawal over six$10No Fee
InterestCompounded and
credited quarterly
based on average daily
balance. Variable
interest rate
Rates based on tiered balances
1st tier: under $10,000
2nd tier: $10,000 and above
Interest compounded and credited quarterly; Variable Interest rate
Rates based on tiered balances
1st tier: under $25,000
2nd tier: $25,000 and above
Interest compounded and credited quarterly; Variable Interest rate
Fixed interest rate for the term of the certificate. Interest compounded and credited quarterly. Interest can automatically be transferred to another account.
Free eStatements1
(paper statements $4 per month, per statement)
MonthlyMonthlyMonthlyAvailable upon request only. Monthly, if combined with a checking account
WithdrawalsRegulation D limits the total number of transfers made by check, telephone, online banking and overdraft protection, as well as pre-authorized transfers (including check card purchases, automatic transfers and wire transfers) to six (6) per calendar month.The penalty we may impose will equal seven (7) days’ interest on the amount withdrawn within the first six days after deposit – OR – 3% of the amount withdrawn if the withdrawal is made after the sixth (6) day following the date of deposit or renewal. Automatically renewed at current interest rate with a ten-day grace period. Notice given of approaching renewal and rate change.

Additional Account Information:
1Multiple accounts can be combined onto one statement monthly, per customer’s request. For additional details about deposit accounts, please refer to the Deposit Account Sheet, current Deposit Rate Sheet or Fee Schedule. All of these resources are available at any Capitol Bank office.

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