Savings and Investment Accounts

Our Business 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 standard terms or special terms and are perfect for time-specific savings or low-risk investments
Minimum Opening Deposit$200$200$200$1000 for standard term; $2,500 for special term
Minimum Daily Balance to Waive Fee $200$200$2,500No Fee
Monthly Maintenance Fee$5$5$15No 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 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.
Free eStatements1
(paper statements $4 per month, per statement)
MonthlyMonthlyMonthlyAvailable upon request only. Monthly, if combined with a checking account
WithdrawalsThe penalty we may impose will equal seven (7) days interest on the amount withdrawn within the first six (6) days after deposit – OR – within six (6) days of the date of the immediately preceding partial withdrawal.
CD withdrawals are subject to the following penalties based upon the term of the CD:
1-5 months CD = 1 month interest penalty;
6-11 months CD = 3 months interest penalty;
12-23 months CD = 6 months interest penalty;
24-60 months CD = 12 months interest penalty.
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 on to 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.

Certificates of Deposit

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


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