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Certificates are a simple, short-term way to invest your money and our rates are consistently some of the strongest around. Your principle investment is insured by the NCUA, a US government agency, up to $250,000.

  • Minimum investment of $2,500
  • Available Traditional Certificate terms include 12, 13, 21, 24, 36, 60 months
  • Certificates available on IRA’s

How do CD’s work?


    Certificates of Deposit (CD’s) are essentially a special savings account with specific conditions. When you open a CD you are agreeing to deposit a specific amount of money (principle deposit) into an account with the credit union and leave it deposited for a specific amount of time (term). By guaranteeing your money will stay invested at the credit union we are able to offer you much better rates than typical savings accounts. Once your term has matured you will get back not only your principle deposit but also the interest paid on that deposit. In other words, you get PAID for saving money!
    Not only are CD’s easy to setup but they also are flexible in the event you need to use the money you have invested. You can cancel your CD at any time and receive your full principle deposit. However, by terminating the CD no interest can be rewarded for the deposit.
    CD’s are safe, easy, and reliable. Contact the credit union to setup a new Certificate of Deposit.



Current Certificate Rates

Term CD Type Minimum Deposit Rate APY
12 Regular $2,500 0.20% 0.20%
12 Regular $10,000 0.65% 0.65%

12

 IRA $2,500  0.20% 0.20%
12 IRA $10,000 0.65% 0.65%
         
24 Regular $2,500 0.30% 0.30%
24 Regular $10,000 0.80% 0.80%
24 IRA $2,500 0.30% 0.30%
24 IRA $10,000 0.80% 0.80%
         
36  Regular $2,500 0.45% 0.45%
36 Regular $10,000 1.25% 1.26%
36 IRA $2,500 0.45% 0.45%
36 IRA $10,000 1.25% 1.26%
         
60 Regular $2,500 0.50% 0.50%
60 Regular $10,000 1.50% 1.51%
60 IRA $2,500 0.50% 0.50%
60 IRA $10,000 1.50% 1.51%
         
 13 Regular $25,000 0.85% 0.85%
21 Regular $25,000 1.00% 1.00%
         
    Rates as of 09/09/2013    

For insured investment (to al least $250,000 by the NCUA a federal agency), Capitol View Credit Union offers some of the highest rates around. Get the safety offered by our insured certificates and shares. Certificates subject to early withdrawal penalties of 90 days interest for terms 12 months or less and 180 days interest for terms over 12 months.

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Phone
Local: 515-725-2167
Toll Free: 1-800-383-3595
24/7 Voice Response: 1-800-879-8350
Fax: 515-725-2196

Main Office
1000 East Grand Avenue
Des Moines, IA 50319

Capitol View Credit Union
Routing Number: 273074135

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