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 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.
CD Rates
| MembersPlus 12 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 12 Months |
$1,000 - $49,999 |
0.80% |
0.80% |
| 12 Months |
$50,000 - $99,999 |
0.90% |
0.90% |
| 12 Months |
$100,000 + |
0.95% |
0.95% |
| MembersPlus 24 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 24 Months |
$1,000 - $49,999 |
0.90% |
0.90% |
| 24 Months |
$50,000 - $99,999 |
1.00% |
1.00% |
| 24 Months |
$100,000 + |
1.10% |
1.10% |
| MembersPlus 36 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 36 Months |
$1,000 - $49,999 |
1.00% |
1.00% |
| 36 Months |
$50,000 - $99,999 |
1.10% |
1.10% |
| 36 Months |
$100,000 + |
1.19% |
1.20% |
| MembersPlus 48 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 48 Months |
$1,000 - $49,999 |
1.10% |
1.10% |
| 48 Months |
$50,000 - $99,999 |
1.19% |
1.20% |
| 48 Months |
$100,000 + |
1.29% |
1.30% |
| MembersPlus 60 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 60 Months |
$1,000 - $49,999 |
1.19% |
1.20% |
| 60 Months |
$50,000 - $99,999 |
1.29% |
1.30% |
| 60 Months |
$100,000 + |
1.39% |
1.40% |
| MembersBasic 12 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 12 Months |
$1,000 - $49,999 |
0.50% |
0.50% |
| 12 Months |
$50,000 - $99,999 |
0.60% |
0.60% |
| 12 Months |
$100,000 + |
0.64% |
0.65% |
| MembersBasic 24 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 24 Months |
$1,000 - $49,999 |
0.60% |
0.60% |
| 24 Months |
$50,000 - $99,999 |
0.70% |
0.70% |
| 24 Months |
$100,000 + |
0.80% |
0.80% |
| MembersBasic 36 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 36 Months |
$1,000 - $49,999 |
0.70% |
0.70% |
| 36 Months |
$50,000 - $99,999 |
0.80% |
0.80% |
| 36 Months |
$100,000 + |
0.89% |
0.90% |
| MembersBasic 48 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 48 Months |
$1,000 - $49,999 |
0.80% |
0.80% |
| 48 Months |
$50,000 - $99,999 |
0.89% |
0.90% |
| 48 Months |
$100,000 + |
1.00% |
1.00% |
| MembersBasic 60 Month Share Certificate |
| Term | Amount | Interest Rate | APY |
| 60 Months |
$1,000 - $49,999 |
0.89% |
0.90% |
| 60 Months |
$50,000 - $99,999 |
1.00% |
1.00% |
| 60 Months |
$100,000 + |
1.09% |
1.10% |
| Funeral Share Certificate |
| Amount | Interest Rate | APY |
| $1,000 - $49,999 |
0.89% |
0.90% |
| $50,000 - $99,999 |
1.00% |
1.00% |
| $100,000 + |
1.09% |
1.10% |
(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 January 1, 2021.
(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 January 1, 2021. 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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