Skip nav to main content.

Put your money to work

If you have funds sitting in a low- or no-interest account, a certificate could earn you more.


Earn dividends

Earn higher dividends than many checking or savings accounts.


Dividends compound quarterly

Earn dividends on your dividends with quarterly compounding.


Flexible terms

Flexible terms from three months to five years.


Dividend payment options

Reinvest your dividends or have them transferred to another account.


Low minimum balance

Get started with a low minimum deposit to open an account.1


Friendly service

Visit us at a branch, by phone, or online! You’ll enjoy our friendly member-focused service.

Today's rates

View more rates

7 months

As high as % APY2

Calculate your earnings3

Final Balance

Contributions:     |    Earnings: 
Low Minimum Balance

Start earning- big or small

We want savings to be accessible for everyone— that's why our certificates have a low minimum deposit to open a certificate.

Woman working at her computer
Dividends Compound Quarterly

Earn dividends on your dividends

Dividends on 12- to 60-month certificates compound quarterly, so you'll grow your savings without lifting a finger.

Carefree person dancing outdoors

Members tell us they feel like they're treated like family and appreciate their interactions with employees.

— 2022 Avtex Findings Report

How it works

It's easy to get a certificate

  • 1

    Open an account

    It only takes a few minutes to open an account online, at branch, or through video banking.

  • 2

    Make an initial deposit

    Get started with a low minimum initial deposit.

  • 3

    Earn dividends

    Sit back and watch your savings grow quarterly.

Open a certificate

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 1-800-296-8871

Put your money to work in a certificate


If you have money just chilling, put it to work in a certificate and earn higher interest rates than many checking or savings accounts.


Open a certificate


1 $1,000 minimum deposit to open an account. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2 APY is the Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the certificate. The stated APY is effective as of April 17, 2024 and is subject to change at any time. Fees may reduce earnings.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.

Membership required and subject to account requirements.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.

Video Banking