A term deposit account is where you make a lodgement to an account and you earn interest. Capital Credit Union offers a 3-year and 5-year term deposit account to its members.

The minimum lodgement you can make is €2,500 and the maximum lodgement you can make is €50,000. Before lodging any funds, consider your potential future financial commitments.

Capital Credit Union offers a 3-year and 5-year term deposit account to its members. · The AER for the 3-year term deposit account is 1.51%. · The AER for the 5-year term deposit account is 2.02%.

Interest is subject to Deposit Interest Retention Tax (DIRT), where applicable, at the prevailing rate on the day interest is paid. At the time of writing, it is 33%.

If you are applying for a DIRT exemption, please fill out the DE1 Form and return to one of Capital Credit Union’s branches. You can find the DE1 Form at our website > News > Download Forms.

There are no partial withdrawals permitted throughout the term. In the exceptional event of a withdrawal, this premature withdrawal will close the deposit account and you will forfeit all interest credited to that date. Capital Credit Union requires 21 days’ written notice to withdraw from your account.

Interest is paid back into your Deposit Account monthly and it will be available to you upon maturity.

Yes, you can get a Loan Within Shares against your deposit account.

Yes, we have qualified staff to assist you if you have any questions. Please contact the Credit Union on (01) 299 0400 or email info@capitalcu.ie