Investing
Fill that nest with plenty of eggs! Earn more and save more, with our flexible, higher-yielding investment products.
Certificates of Deposit
Patience has its virtues- like better rates of return on your savings. Take these CDs for a spin and find out how much more your money can earn for you. These insured, “guaranteed” investments with high dividends offer some great features:
- Higher interest rates than a traditional savings account
- Terms from 90 days to 60 months
- An accessible minimum balance, as low as $1,000
Get even higher rates with a MemberPlus CD if you have at least two products, one of which is an active checking account.
Open a CD Online
CD Rates
| MembersPlus 12 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 12 Months |
$1,000 - $49,999 |
2.23% |
2.25% |
| 12 Months |
$50,000 - $99,999 |
2.33% |
2.35% |
| 12 Months |
$100,000 + |
2.48% |
2.50% |
| MembersPlus 24 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 24 Months |
$1,000 - $49,999 |
2.48% |
2.50% |
| 24 Months |
$50,000 - $99,999 |
2.58% |
2.60% |
| 24 Months |
$100,000 + |
2.67% |
2.70% |
| MembersPlus 36 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 36 Months |
$1,000 - $49,999 |
2.77% |
2.80% |
| 36 Months |
$50,000 - $99,999 |
2.87% |
2.90% |
| 36 Months |
$100,000 + |
2.97% |
3.00% |
| MembersPlus 48 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 48 Months |
$1,000 - $49,999 |
2.82% |
2.85% |
| 48 Months |
$50,000 - $99,999 |
2.92% |
2.95% |
| 48 Months |
$100,000 + |
3.02% |
3.05% |
| MembersPlus 60 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 60 Months |
$1,000 - $49,999 |
2.87% |
2.90% |
| 60 Months |
$50,000 - $99,999 |
3.02% |
3.05% |
| 60 Months |
$100,000 + |
3.11% |
3.15% |
| MembersBasic 3 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 3 Months/90 Days |
$1,000 - $49,999 |
0.70% |
0.70% |
| 3 Months/90 Days |
$50,000 - $99,999 |
0.75% |
0.75% |
| 3 Months/90 Days |
$100,000 + |
0.80% |
0.80% |
| MembersBasic 6 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 6 Months/180 Days |
$1,000 - $49,999 |
0.75% |
0.75% |
| 6 Months/180 Days |
$50,000 - $99,999 |
0.80% |
0.80% |
| 6 Months/180 Days |
$100,000 + |
0.85% |
0.85% |
| MembersBasic 12 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 12 Months |
$1,000 - $49,999 |
1.94% |
1.95% |
| 12 Months |
$50,000 - $99,999 |
2.03% |
2.05% |
| 12 Months |
$100,000 + |
2.13% |
2.15% |
| MembersBasic 24 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 24 Months |
$1,000 - $49,999 |
2.18% |
2.20% |
| 24 Months |
$50,000 - $99,999 |
2.28% |
2.30% |
| 24 Months |
$100,000 + |
2.38% |
2.40% |
| MembersBasic 36 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 36 Months |
$1,000 - $49,999 |
2.48% |
2.50% |
| 36 Months |
$50,000 - $99,999 |
2.58% |
2.60% |
| 36 Months |
$100,000 + |
2.67% |
2.70% |
| MembersBasic 48 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 48 Months |
$1,000 - $49,999 |
2.62% |
2.65% |
| 48 Months |
$50,000 - $99,999 |
2.77% |
2.80% |
| 48 Months |
$100,000 + |
2.87% |
2.90% |
| MembersBasic 60 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 60 Months |
$1,000 - $49,999 |
2.67% |
2.70% |
| 60 Months |
$50,000 - $99,999 |
2.87% |
2.90% |
| 60 Months |
$100,000 + |
2.97% |
3.00% |
| Funeral Share Certificate |
| Amount | Interest Rate | APY |
| $1,000 - $49,999 |
2.67% |
2.70% |
| $50,000 - $99,999 |
2.87% |
2.90% |
| $100,000 + |
2.97% |
3.00% |
(1) $1,000 minimum deposit. Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal.
(2) APY is the Annual Percentage Yield effective October 1, 2018.
(3) 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.
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