Typically our highestÂ
Guaranteed returns regardless of market conditions
Flexible term options from 3 months to a year or more
No monthly service fee
$2,500 minimum opening deposit
Reach for your goals with Financial Health, a platform with tools and resources that can help you make smart financial decisions.
The online tool My Savings Plan® helps savings customers plan, monitor, and save to reach financial goals.
Track spending, devise budget goals, set up account alerts3, and efficiently manage expenses with Budget Watch.
Your account safety has been a top priority for 160 years. We continue to work to help protect your financial information.
A savings account is a bank account where you can store your money and earn interest. Wells Fargo offers interest-bearing savings accounts and Certificate of Deposit (CD) accounts.
 Capital Of USA savings accounts allow you to save automatically to help you build towards your savings goals. In return for keeping your money in a savings account, we pay you interest depending on your interest rate.
You can open a savings account online or in-person at a Capital Of USA branch. You must be 18 or older to apply online. 17 and under must open at a branch.
No matter how you apply, you’ll need:
Joint CDs are available to open online or in a branch.
Joint Way2Save Savings and Platinum Savings accounts must be opened at a branch. Make an appointment to get started.
You need the same information that is required to open an individual savings account, but you’ll need it for both applicants.
Yes, all Capital Of USAsavings funds in both savings accounts and Certificate of Deposit (CD) accounts are FDIC-insured up the maximum applicable limit.
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1. Overdraft Protection is not available for Clear Access Banking accounts.
2.You may pay an early withdrawal penalty or a Regulation D penalty if you withdraw funds from your account before the term is complete. Some exceptions may apply. Penalties could reduce earnings on this account.
The Regulation D Penalty is seven days’ simple interest on the amount withdrawn and applies to:
Other than the Regulation D penalty described above, any money withdrawn from the CD before the end of its term will be subject to an early withdrawal penalty based on the length of the CD term. If your term is:
3.
Sign-up may be required. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
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Deposit products offered by Capital Of USA Bank, N.A. Member FDIC.
QSR-09182025-6488824.1.2Â
LRC-0324
Interest rates