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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
  • Jumbo certificates reward higher balances
  • Dependable growth during market fluctuations
  • Funds are insured by NCUA

Certificate Choices

Regular

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

Open Certificate

iSave

Choose iSave for its fabulous rate and flexibility. Add funds during the term. 
See rates >

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

Open Certificate

Jumbo

As rates fluctuate, depend on top fixed rates on balances of $250,000+.
See rates >

Earn More on Large Balances

  • $250,000 minimum
  • Top fixed rate, no monthly fees
  • Guaranteed returns
  • Terms: 12 and 36 months

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

Open Certificate

What Are You Saving For?

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

Emergency Fund

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

Show Me How

Home Improvement

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

Show Me How

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

Learning Center

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Build Savings Effortlessly

While you’re busy with life, your savings can grow on its own. Schedule automatic transfers to your savings or iSave certificate.

Easy Transfers

Is Your Password a Friend or Foe?

Your old, familiar passwords are putting you at risk! See tips to make them stronger and change them regularly.

Set Powerful Passwords

A trio of young adults walking together and laughing.

College Savings Solution

Save now to reduce your child’s college loan debt ahead. A 529 Plan offers valuable NY tax benefits.1

529 Plan Advantages

Bank Well, Live Well

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

House Hunting?

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

Community Heroes

Save on Insurance

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

Get Quotes

Prepare for Retirement

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

Free Workshop

  1. Your contribution may be tax deductible. Seek advice from a tax advisor for tax deductibility.