Certificate of Deposit (CD)
Patience has its virtues- like better rates of return on your savings.
- Higher interest rates than a traditional savings account
- Terms from 3 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.
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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% |
| 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 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.
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