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    Members Cooperative Credit Union Go to main content

    Online Banking

    ONLINE BANKING LOGIN

    Investing

    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.

    OPEN ONLINE

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    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.

    For a limited time, 4.50% APY* 11-Month Certificate $1,000 minimum balance - Get Started


    Rates

    Short-Term Certificate Rates1,2

    Basic 3 Month Share Certificate
    TermMinimum BalanceAPY
    3 Months $1,000.00 2.75%

    Basic 6 Month Share Certificate
    TermMinimum BalanceAPY
    6 Months $1,000.00 3.25%

    MembersPlus CD Rates1,2,3

    MembersPlus 12 Month Share Certificate
    TermMinimum BalanceAPY
    12 Months $1,000.00 2.10%
    12 Months $100,000.00 2.20%

    MembersPlus 24 Month Share Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.60%
    24 Months $100,000.00 2.70%

    MembersPlus 36 Month Share Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.75%
    36 Months $100,000.00 2.85%

    MembersPlus 48 Month Share Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.85%
    48 Months $100,000.00 2.95%

    MembersPlus 60 Month Share Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 3.00%
    60 Months $100,000.00 3.10%

    MembersBasic CD Rates1,2

    MembersBasic 12 Month Share Certificate
    TermMinimum BalanceAPY
    12 Months $1,000.00 1.70%
    12 Months $100,000.00 1.80%

    MembersBasic 24 Month Share Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.20%
    24 Months $100,000.00 2.30%

    MembersBasic 36 Month Share Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.35%
    36 Months $100,000.00 2.45%

    MembersBasic 48 Month Share Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.45%
    48 Months $100,000.00 2.55%

    MembersBasic 60 Month Share Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.60%
    60 Months $100,000.00 2.70%

    Funeral CD Rates1,2

    Funeral Share Certificate
    Minimum BalanceAPY
    $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 June 2, 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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    NCUAEqual Housing Lender

    This credit union is federally insured by the National Credit Union Administration. We do business in accordance with the federal Fair Housing Act and Equal Credit Opportunity Act.

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