CAPITAL
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  • Personal

Savings Accounts and CDs

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Choose a savings account

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Savings. Made easy.

Way2Save® Savings

Best for

Building your savings automatically

Monthly service fee

$5 How to avoid the fee each fee period

Overdraft services

Optional Overdraft Protection1 for your checking account

$25 minimum opening deposit

Open Now

Manage your savings

Financial education

Reach for your goals with Financial Health, a platform with tools and resources that can help you make smart financial decisions.

My Savings Plan®

The online tool My Savings Plan® helps savings customers plan, monitor, and save to reach financial goals.

Personalized budget

Track spending, devise budget goals, set up account alerts3, and efficiently manage expenses with Budget Watch.

Privacy and security

Your account safety has been a top priority for 160 years. We continue to work to help protect your financial information.

Savings FAQs

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:

  • Your Social Security number
  • Valid ID (driver’s license, state ID, Consular ID)
  • Current residential address
  • $25 opening deposit

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:

  • Withdrawals made within seven days of account opening including the day the account was opened.
  • Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance.
  • Withdrawals within seven days of any prior withdrawal where the Bank’s early withdrawal penalty is not applied.

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:

  • Less than 90 days (or less than 3 months), the penalty is 1 month’s interest,
  • 90 to 365 days (or 3-12 months), the penalty is 3 months’ interest,
  • Over 12 months through 24 months, the penalty is 6 months’ interest, or
  • Over 24 months, the penalty is 12 months’ interest.

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

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