Certificate Accounts

You'll love our rates and variety of terms.

Why save with a certificate?

  • Earn more than a basic savings account
  • Keep adding money with our innovative iSave
  • See how to Cash In when you act by 02/29/24
  • Dependable growth during market fluctuations
  • Funds are insured by NCUA

Earn up to 5.00% APY*. See all certificate terms and rates.

Open Account

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Certificate Choices


Lock in an excellent fixed rate with guaranteed returns and a variety of terms to choose.
See rates >

Lock in that Rate

  • $500 minimum
  • Fixed rate, no monthly fees
  • Guaranteed returns
  • Terms: 3 to 60 months

Already a CAP COM member?
Log in → Additional Services → Add an Account


Choose iSave for its fabulous rate and flexibility. Add funds during the term. 
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Allows Ongoing Deposits

  • $100 minimum
  • Fixed rate, no monthly fees
  • Guaranteed returns
  • Terms: 12 to 36 months

Already a CAP COM member?
Log in → Additional Services → Add an Account

Bump Up

Enjoy an excellent fixed rate for 18 Months with the option to change terms and bump up your rate within the first six months.**
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Penalty-free Rate Bump Up

  • $500 minimum 
  • Fixed rate, no monthly fees 
  • Guaranteed returns 
  • No penalty for change within the first six months 

Already a CAP COM member?
Log in → Additional Services → Add an Account

What Are You Saving For?

Create a plan that’s right for you and make it happen.

Cover a sudden life change, such as a job loss or health crisis.

Show Me How

Enjoy the good life and update your living spaces with less anxiety about covering costs.

Show Me How

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What’s so Special about iSave?

The iSave certificate combines three features savers want.

  1. Flexibility - Add funds whenever you want.
  2. Earnings - iSave rates are among our best.
  3. Ease - Open your iSave with just $100.

Open Your iSave

Free Savings & Budgeting Tool

Building your savings should be easy and fun. Money Management is a set of tools built into your online and mobile account.

Set your goals, track deposits, make adjustments, and watch your balances grow.

Get Started

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Bank Well, Live Well

Simplify your finances and enhance your life. Make the most of every CAP COM benefit.

See if you qualify for $1,000+ in cash/discounts via our Community Heroes Mortgage Program.

Community Heroes

Getting quotes on your insurance can reveal eye-opening savings. Submit one request and get multiple quotes.

Get Quotes

Join us for an upcoming Retirement Bound Workshop to discover 5 important steps you can take to prepare.

Free Workshop

*APY = Annual Percentage Yield. Rate and APY are accurate as of today‘s date. Fees and other conditions may reduce earnings. Minimum to open and obtain APY for iSave Certificates is $100, and all other certificates require $500. Penalties may apply for early withdrawal. Certificates require Credit Union Membership.

Once your account is established, during the first six (6) months your account is open, you may instruct us to exchange Your 18 Month Bump Up Share Certificate Account with another certificate account we offer with a higher rate, without penalty (excluding a new 18 Month Bump Up Share Certificate Account). The new certificate must have a term to maturity of at least 12 months, and you would be subject to terms and conditions of the new certificate account.