Certificate of Deposit (CD)
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 12 months 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
Have questions? We're here to help!
Click here to schedule an appointment, call us at: 218-625-8500 or use our convenient video banking service to open an account.
Rates
| Basic 3 Month Share Certificate |
| Term | Minimum Balance | APY |
| 3 Months |
$1,000.00 |
3.00% |
| Basic 6 Month Share Certificate |
| Term | Minimum Balance | APY |
| 6 Months |
$1,000.00 |
3.75% |
| MembersPlus 12 Month Share Certificate |
| Term | Minimum Balance | APY |
| 12 Months |
$1,000.00 |
2.10% |
| 12 Months |
$100,000.00 |
2.20% |
| MembersPlus 24 Month Share Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.60% |
| 24 Months |
$100,000.00 |
2.70% |
| MembersPlus 36 Month Share Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.75% |
| 36 Months |
$100,000.00 |
2.85% |
| MembersPlus 48 Month Share Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.85% |
| 48 Months |
$100,000.00 |
2.95% |
| MembersPlus 60 Month Share Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
3.00% |
| 60 Months |
$100,000.00 |
3.10% |
| MembersBasic 12 Month Share Certificate |
| Term | Minimum Balance | APY |
| 12 Months |
$1,000.00 |
1.70% |
| 12 Months |
$100,000.00 |
1.80% |
| MembersBasic 24 Month Share Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.20% |
| 24 Months |
$100,000.00 |
2.30% |
| MembersBasic 36 Month Share Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.35% |
| 36 Months |
$100,000.00 |
2.45% |
| MembersBasic 48 Month Share Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.45% |
| 48 Months |
$100,000.00 |
2.55% |
| MembersBasic 60 Month Share Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
2.60% |
| 60 Months |
$100,000.00 |
2.70% |
| Funeral Share Certificate |
| Minimum Balance | APY |
| $1,000.00 |
2.60% |
| $100,000.00 |
2.70% |
(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 November 29, 2022. 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.
Patriot Act: Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
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