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Certificates of Deposits (CDs)

  1. Capital City Bank Pricing Committee

    The Capital City Bank Pricing Committee establishes rates for all interest-bearing deposit product types. Pricing decisions are based on several...

  2. Preferred Rate Client (PRC)

    Overview The Capital City Bank Pricing Committee establishes rates for ALL interest-bearing deposit product types (for example: Negotiable Order of Withdrawal (NOW),...

  3. Capital City Bank Deposit Rate Sheet

    The latest Deposit Rate Sheet is published on NetInterest each Tuesday morning with rates effective through Monday of the...

  4. Certificate of Deposit

    Certificates of Deposit (CDs) provide depositors a higher interest rate than savings accounts. CDs are for depositors, including individuals,...

  5. CD Rates

    For the latest CD rate, find the latest Deposit Rate Sheet, click the tab for your region, and scroll down. 

  6. CD Preferred Client Rate

    For the latest CD Preferred Client rate, find the latest Deposit Rate Sheet, click the tab for your region,...

  7. Certificate of Deposit Account Registry Service (CDARS) Program

    The Certificate of Deposit  Account Registry Service (CDARS) is a service that offers benefits to depositors who want to...

  8. Opening New Certificate of Deposit Accounts

    Overview When opening a new Certification of Deposit (CD) account funds must be available and placed into the CD Settlement...

  9. Renewing Certificates of Deposit (CD) at Different Term/Rates

      Overview and Procedures Clients may request to renew their Certificate of Deposit (CD) for a different term and/or...

  10. Adding Funds to Certificates of Deposit During the Renewal Period

    Clients can add funds to their Certificates of Deposit (CD) during the renewal period. To handle this request do...

  11. Making Partial Withdrawals from Certificates of Deposit

    Clients can make partial withdrawals from their certificates of deposit (CD) on the maturity date or during the grace...

  12. Partial Withdrawal Payout Options

    Note: If you issue a money order or cashier’s check, the payee name must exactly match the names on...

  13. Open-ended CDs

    Open-ended Certificates of Deposit An open-ended certificate of deposit is an 18-month variable CD. The interest rate of this...

  14. Closing Certificates of Deposit

    Certificate of Deposit Certificate of Deposit  (CD) accounts closed 6 days or less after opening must have penalties applied...

  15. Certificate of Deposit Payout Options

    Depending on how the client wants the Certificate of Deposit (CD) paid out, choose one of the following tabs.  Note:...

  16. Withdrawing Interest from Certificates of Deposit

    Clients DO NOT need approval (service leader/lead associate/officer) to withdraw interest earned from a Certificate of Deposit (CD) account....

  17. CD Interest Withdrawal Payout Options

    When issuing a money order or cashier’s check, the payee MUST exactly match the names on the certificate. If...

  18. Changing Certificate of Deposit Account Ownership

    To change the ownership for a consumer or business account, click one of the tabs below: Consumer Account To...

  19. Updating POD Beneficiaries

    Update POD beneficiaries at any time during the term of the CD or at maturity. Generate a new signature...

  20. Certificate of Deposit Notices

    CD Auto-Renewable Maturity Notice Notice generates 20 calendar days prior to maturity. "Thank you for investing with Capital City...

  21. CD Earnings Inquiry Screen

    The Certificate of Deposit (CD) Earnings Inquiry screen allows Personal Bankers to compare the total earnings for each rate....