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    Members Cooperative Credit Union Go to main content

    Online Banking

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    BUSINESS SAVINGS & CHECKING

    Simple, powerful and savvy. MCCU’s business savings and checking accounts cover all the bases.

     

    BUSINESS CD

    Lock in a great rate! The more you save and the longer you invest, the greater the returns on your business funds.

    • Higher interest rates than a traditional savings account
    • Terms from 3 months to 60 months
    • An accessible minimum balance, as low as $1,000

    BUSINESS BUMP UP CD

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

    • Available with terms of 24, 36, 48 and 60 months, on Basic and Plus certificates 
    • Lock into the current rate, with the option to request a one-time rate increase 

    For a limited time, 4.25% APY* 11 Month Certificate | $1,000 Minimum Balance - Get Started


    Rates

    Short-Term Certificate Rates1,2

    Basic 3 Month Share Certificate
    TermMinimum BalanceAPY
    3 Months $1,000.00 3.00%

    Basic 6 Month Share Certificate
    TermMinimum BalanceAPY
    6 Months $1,000.00 3.75%

    BusinessPlus CD Rates1,2,3

    BusinessPlus 12 Month Share Certificate
    TermMinimum BalanceAPY
    12 Months $1,000.00 2.10%
    12 Months $100,000.00 2.20%

    BusinessPlus 24 Month Share Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.60%
    24 Months $100,000.00 2.70%

    BusinessPlus 36 Month Share Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.75%
    36 Months $100,000.00 2.85%

    BusinessPlus 48 Month Share Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.85%
    48 Months $100,000.00 2.95%

    BusinessPlus 60 Month Share Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 3.00%
    60 Months $100,000.00 3.10%

    BusinessBasic CD Rates1,2

    BusinessBasic 12 Month Share Certificate
    TermMinimum BalanceAPY
    12 Months $1,000.00 1.70%
    12 Months $100,000.00 1.80%

    BusinessBasic 24 Month Share Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.20%
    24 Months $100,000.00 2.30%

    BusinessBasic 36 Month Share Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.35%
    36 Months $100,000.00 2.45%

    BusinessBasic 48 Month Share Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.45%
    48 Months $100,000.00 2.55%

    BusinessBasic 60 Month Share Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.60%
    60 Months $100,000.00 2.70%

    BusinessPlus Bump Up CD Rates1,2,3,4

    BusinessPlus 24 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.45%
    24 Months $100,000.00 2.55%

    BusinessPlus 36 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.60%
    36 Months $100,000.00 2.70%

    BusinessPlus 48 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.70%
    48 Months $100,000.00 2.80%

    BusinessPlus 60 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.85%
    60 Months $100,000.00 2.95%

    BusinessBasic Bump Up CD Rates1,2,4

    BusinessBasic 24 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.05%
    24 Months $100,000.00 2.15%

    BusinessBasic 36 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.20%
    36 Months $100,000.00 2.30%

    BusinessBasic 48 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.30%
    48 Months $100,000.00 2.40%

    BusinessBasic 60 Month Bump Up Share Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.45%
    60 Months $100,000.00 2.55%


    Have questions? We're here to help! 

    Schedule an appointment online, contact our Business Services Team, or call 218-625-8890.

    Your time is valuable. We've created a simple guide to help you easily identify the documents required to open a business account.

    View Required Documents

    (1) Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
    (2) APY is the Annual Percentage Yield effective January 9, 2023. APY and rates are subject to change.
    (3) MembersPlus accounts require at least two products, one of which is an MCCU 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.  
    (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.

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    NCUAEqual Housing Lender

    This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the federal Fair Housing Act and Equal Credit Opportunity Act.

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