wellspoken

CapEd offers a variety of IRA, SEP IRA, & Education Savings Accounts (ESA) that can best suit your needs. If you’re not sure which type is best for you, we can help you sort through the facts.

Share Savings

Share savings accounts allow the flexibility to investigate other investment options.

  • Traditional, Roth, SEP, ESA
  • Minimum balance: $10.00
  • Flexible investment options

IRA Roth/Traditional Rates

The APY is accurate as of the last dividend declaration date.

Minimum Balance Dividend Rate APY*
$10.00 0.50% 0.50%

IRA SEP/ESA Rates

The APY is accurate as of the last dividend declaration date.

Minimum Balance Dividend Rate APY*
$10.00 0.50% 0.50%

*APY Is Annual Percentage Yield. Rates are accurate as of the last dividend declaration date. Rates may change after the account is opened. Fees or other conditions could reduce the earnings on the account.

IRA 59 ½ Share Savings

A better rate of interest for those who are eligible to start withdrawing from an IRA.

  • Traditional Only
  • Minimum balance: $10.00
  • Minimum age: 59 ½ yr. old

IRA 59 1/2 Share Savings Rates

The APY is accurate as of the last dividend declaration date.

Minimum Balance Dividend Rate APY*
$10.00 0.75% 0.75%

*APY Is Annual Percentage Yield. Rates are accurate as of the last dividend declaration date. Rates may change after the account is opened. Fees or other conditions could reduce the earnings on the account.

IRA Certificates

Diversifying your Individual Retirement Account (IRA) investments is important. CapEd is the “safe place” in your portfolio.

  • Traditional, Roth, SEP, ESA
  • Minimum balance: $500
  • Terms: 6 to 60 months

Share Certificate Rates

The APY is accurate as of Jun 26, 2015

Minimum balance to open and earn the APY
6 Months $500 $10,000 $50,000
Dividend Rate 0.20% 0.30% 0.45%
APY* 0.20% 0.30% 0.45%
12 Months $500 $10,000 $50,000
Dividend Rate 0.40% 0.50% 0.70%
APY* 0.40% 0.50% 0.70%
Promotional APY* 1.30% 1.30% 1.30%
18 Months $500 $10,000 $50,000
Dividend Rate 0.45% 0.55% 0.75%
APY* 0.45% 0.55% 0.75%
24 Months $500 $10,000 $50,000
Dividend Rate 0.50% 0.60% 0.80%
APY* 0.50% 0.60% 0.80%
Promotional APY* 1.40% 1.40% 1.40%
36 Months $500 $10,000 $50,000
Dividend Rate 0.85% 0.95% 1.15%
APY* 0.85% 0.95% 1.16%
48 Months $500 $10,000 $50,000
Dividend Rate 1.25% 1.35% 1.55%
APY* 1.26% 1.36% 1.56%
60 Months $500 $10,000 $50,000
Dividend Rate 1.35% 1.50% 1.70%
APY* 1.36% 1.51% 1.71%
Promotional APY* 2.12% 2.12% 2.12%

APY is Annual Percentage Yield. The APY is accurate as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded on the first day of each quarter. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.

Common Features

  • Dividends are computed daily and compounded quarterly
  • Minimum balance of $10.00 required
  • Tax deductible contributions*
  • Earn tax-deferred dividends*
  • Please contact us for our Current Truth in Savings disclosure.

*Consult your tax advisor regarding potential tax benefits.

IRA Brochures

Answers to Roth IRA Questions
Answers to Traditional IRA Questions
Answers to Coverdell ESA Questions
Exploring Your IRA Options

SEP Brochures

Google+ Authorship