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    Members Cooperative Credit Union Go to main content

    Online Banking

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    Business Savings Rates

    Get competitive rates on all our great MCCU Business financial products!

    Short-Term Certificate Rates1,2

    Basic 3 Month Share Certificate
    TermMinimum BalanceAPY
    3 Months $1,000.00 2.75%

    Basic 6 Month Share Certificate
    TermMinimum BalanceAPY
    6 Months $1,000.00 3.25%

    Business Savings Rates1,2

    Business Savings
    NameAPY
    Share Savings 0.10%

    BusinessPlus Money Market Rates2,3

    BusinessPlus Money Market
    TierAPY
    $2,500 - $24,999 0.30%
    $25,000 - $99,999 0.50%
    $100,000+ 0.75%

    BusinessBasic Money Market Rates2

    BusinessBasic Money Market
    TierAPY
    $2,500 - $9,999 0.20%
    $10,000 - $49,999 0.25%
    $50,000 + 0.45%

    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.

    For a limited time, 4.50% APY* 11-Month Certificate $1,000 minimum balance - Get Started

    (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 June 2, 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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