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    Members Cooperative Credit Union Go to main content

    Online Banking

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    Investing

    Fill that nest with plenty of eggs! Earn more and save more, with our flexible, higher-yielding investment products.

    Bump Up CD

    Serve yourself a one-time rate increase during the certificate term! 

    • Available with terms of 36, 48 and 60 months, on regular and IRA certificates 
    • Lock into the current rate, with the option to request a one-time rate increase 

    Stop by your local branch or call us at 1-800-296-8871 to open an account.


    Bump Up CD Rates

    MembersPlus Bump Up CD Rates

    MembersPlus 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.67% 2.70%
    36 Months $50,000 - $99,999 2.77% 2.80%
    36 Months $100,000+ 2.87% 2.90%

    MembersPlus 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.72% 2.75%
    48 Months $50,000 - $99,999 2.82% 2.85%
    48 Months $100,000+ 2.92% 2.95%

    MembersPlus 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.77% 2.80%
    60 Months $50,000 - $99,999 2.92% 2.95%
    60 Months $100,000+ 3.01% 3.05%

    MembersBasic Bump Up CD Rates

    MembersBasic 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.38% 2.40%
    36 Months $50,000 - $99,999 2.48% 2.50%
    36 Months $100,000+ 2.57% 2.60%

    MembersBasic 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.53% 2.55%
    48 Months $50,000 - $99,999 2.67% 2.70%
    48 Months $100,000+ 2.77% 2.80%

    MembersBasic 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.58% 2.60%
    60 Months $50,000 - $99,999 2.77% 2.80%
    60 Months $100,000+ 2.87% 2.90%

    MembersPlus Bump Up IRA CD Rates

    MembersPlus 36 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.67% 2.70%
    36 Months $50,000 - $99,999 2.77% 2.80%
    36 Months $100,000+ 2.87% 2.90%

    MembersPlus 48 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.72% 2.75%
    48 Months $50,000 - $99,999 2.82% 2.85%
    48 Months $100,000+ 2.92% 2.95%

    MembersPlus 60 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.77% 2.80%
    60 Months $50,000 - $99,999 2.92% 2.95%
    60 Months $100,000+ 3.02% 3.05%

    MembersBasic Bump Up IRA CD Rates

    MembersBasic 36 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.38% 2.40%
    36 Months $50,000 - $99,999 2.48% 2.50%
    36 Months $100,000+ 2.57% 2.60%

    MembersBasic 48 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.53% 2.55%
    48 Months $50,000 - $99,999 2.67% 2.70%
    48 Months $100,000+ 2.77% 2.80%

    MembersBasic 60 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.58% 2.60%
    60 Months $50,000 - $99,999 2.77% 2.80%
    60 Months $100,000+ 2.87% 2.90%

    (1) APY is the Annual Percentage Yield effective October 1, 2018.
    (2) MembersPlus accounts require at least two products, one of which is an active checking account; active checking means a minimum of 5 debits per month or reoccurring direct deposit(s) totaling a minimum of $500 a month. See section 9 in the Truth-in-Savings Disclosure for applicable account limitations.
    (3) $1,000 minimum deposit. Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal.
    (4) Increased rate will apply to the period of time remaining on the initial certificate term. Contact a branch office for information how to request an increase. Fees can reduce earnings. Penalty imposed for early withdrawal.

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