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    Members Cooperative Credit Union Go to main content

    Online Banking

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    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.

    Savor a higher-rate savings account paired with a certificate with our companion savings account.

    Open a CD Online


    CD Rates

    MembersPlus CD Rates1,2,3

    MembersPlus 12 Month Share Certificate
    TermAmountInterest RateAPY
    12 Months $1,000 - $49,999 1.99% 2.00%
    12 Months $50,000 - $99,999 2.08% 2.10%
    12 Months $100,000 + 2.23% 2.25%

    MembersPlus 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 2.23% 2.25%
    24 Months $50,000 - $99,999 2.33% 2.35%
    24 Months $100,000 + 2.43% 2.45%

    MembersPlus 36 Month Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.53% 2.55%
    36 Months $50,000 - $99,999 2.62% 2.65%
    36 Months $100,000 + 2.72% 2.75%

    MembersPlus 48 Month Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.58% 2.60%
    48 Months $50,000 - $99,999 2.67% 2.70%
    48 Months $100,000 + 2.77% 2.80%

    MembersPlus 60 Month Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.62% 2.65%
    60 Months $50,000 - $99,999 2.77% 2.80%
    60 Months $100,000 + 2.87% 2.90%

    MembersBasic CD Rates1,2

    MembersBasic 3 Month Share Certificate
    TermAmountInterest RateAPY
    3 Months/90 Days $1,000 - $49,999 0.50% 0.50%
    3 Months/90 Days $50,000 - $99,999 0.55% 0.55%
    3 Months/90 Days $100,000 + 0.60% 0.60%

    MembersBasic 6 Month Share Certificate
    TermAmountInterest RateAPY
    6 Months/180 Days $1,000 - $49,999 0.55% 0.55%
    6 Months/180 Days $50,000 - $99,999 0.60% 0.60%
    6 Months/180 Days $100,000 + 0.65% 0.65%

    MembersBasic 12 Month Share Certificate
    TermAmountInterest RateAPY
    12 Months $1,000 - $49,999 1.69% 1.70%
    12 Months $50,000 - $99,999 1.79% 1.80%
    12 Months $100,000 + 1.89% 1.90%

    MembersBasic 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 1.94% 1.95%
    24 Months $50,000 - $99,999 2.03% 2.05%
    24 Months $100,000 + 2.13% 2.15%

    MembersBasic 36 Month Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.23% 2.25%
    36 Months $50,000 - $99,999 2.33% 2.35%
    36 Months $100,000 + 2.43% 2.45%

    MembersBasic 48 Month Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.38% 2.40%
    48 Months $50,000 - $99,999 2.53% 2.55%
    48 Months $100,000 + 2.62% 2.65%

    MembersBasic 60 Month Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.43% 2.45%
    60 Months $50,000 - $99,999 2.62% 2.65%
    60 Months $100,000 + 2.72% 2.75%

    Funeral CD Rates1,2

    Funeral Share Certificate
    AmountInterest RateAPY
    $1,000 - $49,999 2.43% 2.45%
    $50,000 - $99,999 2.62% 2.65%
    $100,000 + 2.72% 2.75%

    (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, 2019.
    (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. Rates and yields are current as of  October 1, 2019. Rates are subject to change. Contact us anytime for the most current information regarding rates. Share savings account limitations may apply.

    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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