Capital Credit Union (CCU) ended the week by raising the rate on its ChaChing Checking, with qualifying balances up to $25k now earning 2.50% APY. Qualifying balances above $25k earn 0.25% APY, as do non-qualifying balances.
|3.00*%||-||$25k||Capital Credit Union (WI)||ChaChing Checking|
|OTHER TIERS: 0.25% → $25k+|
ChaChing Checking Qualifying Requirements
- Have at least 12 debit card purchases (minimum $5).
- At least one Direct Deposit, totaling a minimum of $400.
- Receive eStatements.
- Sign into online banking at least once.
The ChaChing Checking account has no monthly service fee, no minimum balance requirement, and no minimum opening deposit. If monthly qualifying requirements are met, ATM fees will be reimbursed up to $25. There is a $10 monthly service fee that may be waived. As stated on the ChaChing Checking landing page,
After four months of not qualifying, this account
will be converted to a MyChoice checking account.
Headquartered in Green Bay, Capital Credit Union’s field of membership (FOM) is residency based, with individuals who live or work in the Wisconsin counties of Brown, Calumet, Door, Kewaunee, Manitowoc, Marinette, Oconto, Outagamie, Shawano, or Winnebago Counties eligible to join.
Immediate family members (spouse, parent, child, and stepchild) of a current CCU member or member’s spouse are eligible for member, if they live in the member’s household.
Joining CCU and/or opening a ChaChing Checking account can be done online, or in person at any of 23 Wisconsin branches located in Appleton (3), De Pere, Freedom, Green Bay (7), Greenville, Kimberly (2), Little Chute (2), Neenah, Oshkosh, Shawano, and Sturgeon Bay (2).
Credit Union Overview
Capital Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 6.29% (excellent), based on December 31, 2016 data. In the past year, CCU has increased its total non-brokered deposits by $46.4 million, an excellent annual growth rate of 4.77%. Please refer to our financial overview of Capital Credit Union (NCUA Charter # 66865) for more details.
Established in 1934 as the Kimberly Credit Union, Capital Credit Union is currently Wisconsin’s 11th largest credit union, serving more than 101,000 members and holding assets in excess of $1.2 billion. The original FOM included the employees of Kimberly-Clark, with its office located in the Kimberly-Clark Mill. The Credit Union adopted a community charter in 1970, but the name wasn’t changed to Capital Credit Union until 1996. Three years ago, CCU merged with Pioneer Credit Union (the oldest credit union in the Green Bay area), “doing the right thing for our members.”
How the ChaChing Checking Compares
When compared to the 19 High Yield Reward Checking Accounts tracked by DepositAccounts.com that are available within the FOM and have maximum qualifying balances of at least $25k, Capital Credit Union’s ChaChing Checking APY currently ranks first.
The above rates are accurate as of 5/6/2017.