Personal Banking / Products
Federal Capital UnionCertificate of Deposits & Retirement Accounts
Pick the Option That Best Meets your Needs
We offer a variety of terms and competitive rates so you can keep your options open.
Certificate of Deposit
- Requires $1,000 minimum to open
- A variety of terms available to meet your investment needs
- Interest paid monthly, quarterly, or semi-annually depending on the deposit term
- Interest can be added back to the CD, deposited to a Federal Capital Union Bank checking or savings account or paid by check or external transfer to another account
Traditional Individual Retirement Accounts (IRAs)
- Requires $1,000 minimum to open and terms ranging from 12 to 36 months.
- Allows you to defer taxes on your earnings until they are withdrawn.
- Must be under the age of 70½ for the entire year and have earned income (or your spouse must have earned income) to be eligible for a traditional IRA.
Roth Individual Retirement Accounts (IRAs)
- Requires $1,000 minimum to open and terms ranging from 12 to 36 months.
- Nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period.
- To be eligible to contribute to a Roth IRA, you must have earned income (or your spouse must have earned income) and your modified adjusted gross income (MAGI) cannot exceed certain limits.
Visit a Branch
Apply at any branch of Federal Capital Union Bank. We can assist you with setting up the account of your choice, or even help you decide if you're still not sure.
Take Control of Your Finances
Explore some of the other ways Federal Capital Unioncan help you manage your money.
Online Banking
Gain access to your accounts anytime and from anywhere using Federal Capital Uniononline or mobile banking solutions. You'll even have the power to pay bills, transfer money, complete mobile deposits, and a whole lot more!
Saving Cents
An easy way to make everyday purchases part of your savings strategy. All you need is a Federal Capital Union Bank checking account with a debit card and a Federal Capital Union Bank savings account, and you can start saving today.
Savings Accounts
With a variety of account types, including Money Markets, you will find the perfect savings account for you. It's never been easier to keep your money safe while you work towards a secure financial future.