Certificates of Deposit

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


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 standard term and special term lengths with competitive rates to choose from
Minimum Opening Deposit$100None$100$1000 for standard term; $2,500 for special term
Minimum Daily Balance to Waive Monthly Maintenance Fee$200None$2,500None
Monthly Maintenance Fee, if Below Required Balances$5None$15None
InterestCompounded and credited quarterly based on average daily balance; Variable interest rateRates 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.
WithdrawalsThe penalty we may impose will equal seven (7) days interest on the amount withdrawn within the first six (6) days after deposit – OR – within six (6) days of the date of the immediately preceding partial withdrawal.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.
StatementsQuarterly statements; Monthly, if combined with a checking accountMonthlyAvailable upon request only; Monthly, if combined with a checking account

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Credit Cards

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