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
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
Rates
| Basic 3 Month Share Certificate |
| Term | Minimum Balance | APY |
| 3 Months |
$1,000.00 |
2.75% |
| Basic 6 Month Share Certificate |
| Term | Minimum Balance | APY |
| 6 Months |
$1,000.00 |
3.25% |
| BusinessPlus 12 Month Share Certificate |
| Term | Minimum Balance | APY |
| 12 Months |
$1,000.00 |
2.10% |
| 12 Months |
$100,000.00 |
2.20% |
| BusinessPlus 24 Month Share Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.60% |
| 24 Months |
$100,000.00 |
2.70% |
| BusinessPlus 36 Month Share Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.75% |
| 36 Months |
$100,000.00 |
2.85% |
| BusinessPlus 48 Month Share Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.85% |
| 48 Months |
$100,000.00 |
2.95% |
| BusinessPlus 60 Month Share Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
3.00% |
| 60 Months |
$100,000.00 |
3.10% |
| BusinessBasic 12 Month Share Certificate |
| Term | Minimum Balance | APY |
| 12 Months |
$1,000.00 |
1.70% |
| 12 Months |
$100,000.00 |
1.80% |
| BusinessBasic 24 Month Share Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.20% |
| 24 Months |
$100,000.00 |
2.30% |
| BusinessBasic 36 Month Share Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.35% |
| 36 Months |
$100,000.00 |
2.45% |
| BusinessBasic 48 Month Share Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.45% |
| 48 Months |
$100,000.00 |
2.55% |
| BusinessBasic 60 Month Share Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
2.60% |
| 60 Months |
$100,000.00 |
2.70% |
| BusinessPlus 24 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.45% |
| 24 Months |
$100,000.00 |
2.55% |
| BusinessPlus 36 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.60% |
| 36 Months |
$100,000.00 |
2.70% |
| BusinessPlus 48 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.70% |
| 48 Months |
$100,000.00 |
2.80% |
| BusinessPlus 60 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
2.85% |
| 60 Months |
$100,000.00 |
2.95% |
| BusinessBasic 24 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.05% |
| 24 Months |
$100,000.00 |
2.15% |
| BusinessBasic 36 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.20% |
| 36 Months |
$100,000.00 |
2.30% |
| BusinessBasic 48 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.30% |
| 48 Months |
$100,000.00 |
2.40% |
| BusinessBasic 60 Month Bump Up Share Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
2.45% |
| 60 Months |
$100,000.00 |
2.55% |
(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 May 3, 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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