Certificates of Deposit

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

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Our Savings Accounts offer the following

Free Online Banking
Free Mobile Banking
No Annual Fee Visa® Classic Credit Card1
Free eStatements
 Capitol SavingsCappy "Minor" SavingsMoney MarketCertificate of Deposit
Our standard savings accountA savings account designed especially for the kidsAn interest-bearing account based on current interest ratesWe have several term lengths with competitive rates to choose from
Minimum Opening Deposit$100None$100$1,000
Minimum Daily Balance to Waive Monthly Maintenance Fee$200None$2,500None
Monthly Maintenance Fee, if Below Required Balances$2.00 plus $2.00 per withdrawal over sixNone$10.00None
InterestCompounded and credited quarterly based on average daily balance; Variable interest rateRates based on tiered balances:
1st tier - $25,000 and under
2nd tier - $25,000 and above
Interest compounded and credited monthly; 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.
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transfers) to six (6) per calendar month.The penalty we may impose will equal seven (7) days’ interest on the amount withdrawn within the first six days after deposit – OR – 3% of the amount withdrawn if the withdrawal is made after the sixth (6) day following the date of deposit or renewal.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.
StatementsQuarterly statements; Monthly, if combined with a checking accountMonthlyAvailable upon request only; Monthly, if combined with a checking account

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