We Are Closed Wednesday, June 19th

All locations will be closed in observance of Juneteenth National Independence Day.

Certificates of Deposit

Discover the benefits of securing your financial future with a CD from Capitol Bank.

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Applying is easy - Give us a call, email us or walk into your local office.

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A smart way to invest your money.

Discover the benefits of securing your financial future with Certificates of Deposit (CDs). We pride ourselves on offering competitive CD rates that ensure your money grows steadily over a fixed term.

Enjoy the security of FDIC insurance, personalized service, and a deep connection to the Madison and greater Dane County area. With Capitol Bank, you not only invest wisely but also contribute to the strength and vitality of the local economy. Explore our range of CD options and experience the reliability and trust that comes with banking close to home.

Certificates of Deposit

Comparison table of Certificates of Deposit
Term Minimum Balance Interest Rate APY*
7 Month Special $2,500 4.668% 4.75%
11 Month Special $2,500 4.571% 4.65%

Additional Details on Capitol Bank CDs:

  • Minimum Opening Deposit: $1000 for standard term; $2,500 for special term
  • Monthly Maintenance Fee: None
  • Interest: Fixed Interest Rate for the term of the certificate. Interest compounded and credited quarterly. Interest can automatically be transferred to another account.
  • Statements: Monthly, if combined with a checking account

Withdrawal Details:

The penalty we may impose will equal seven (7) days interest on the amount withdrawn within the first six (6) days after deposit – OR – within six (6) days of the date of the immediately preceding partial withdrawal.

The penalty we may impose will equal seven (7) days interest on the amount withdrawn within the first six (6) days after deposit – OR – within six (6) days of the date of the immediately preceding partial withdrawal.

CD withdrawals are subject to the following penalties based upon the term of the CD:

1-5 months CD = 1 month interest penalty;

6-11 months CD = 3 months interest penalty;

12-23 months CD = 6 months interest penalty;

24-60 months CD = 12 months interest penalty.

Automatically renewed at current interest rate with a ten-day grace period. Notice given of approaching renewal and rate change.

For a personalized approach, connect with one of our bankers to discuss how our CDs can maximize your savings.

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We have multiple deposit, loan, and cash management services to support your business.

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The Capitol Bank team focuses on meeting your business, mortgage, personal and commercial banking needs.

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