Investing
Fill that nest with plenty of eggs! Earn more and save more, with our flexible, higher-yielding investment products.
IRA CD
A comfortable retirement doesn’t happen by accident. Plan ahead with our Individual Retirement Account, IRA, certificates.
- Offers a higher rate of return than IRA savings account options
- Minimum deposit of $1000
- Choice of 12, 24, 36, 48 or 60 month terms
- Dividends compound quarterly
- Traditional, Roth and SEP IRA options are available
- No transaction, administration or transfer fees
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.
We also offer IRA savings!
Rates
| MembersPlus 12 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 12 Months |
$1,000.00 |
2.10% |
| 12 Months |
$100,000.00 |
2.20% |
| MembersPlus 24 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.60% |
| 24 Months |
$100,000.00 |
2.70% |
| MembersPlus 36 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.75% |
| 36 Months |
$100,000.00 |
2.85% |
| MembersPlus 48 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.85% |
| 48 Months |
$100,000.00 |
2.95% |
| MembersPlus 60 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
3.00% |
| 60 Months |
$100,000.00 |
3.10% |
| MembersBasic 12 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 12 Months |
$1,000.00 |
1.70% |
| 12 Months |
$100,000.00 |
1.80% |
| MembersBasic 24 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.20% |
| 24 Months |
$100,000.00 |
2.30% |
| MembersBasic 36 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.35% |
| 36 Months |
$100,000.00 |
2.45% |
| MembersBasic 48 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.45% |
| 48 Months |
$100,000.00 |
2.55% |
| MembersBasic 60 Month Share IRA Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
2.60% |
| 60 Months |
$100,000.00 |
2.70% |
| MembersPlus 24 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.45% |
| 24 Months |
$100,000.00 |
2.55% |
| MembersPlus 36 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.60% |
| 36 Months |
$100,000.00 |
2.70% |
| MembersPlus 48 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.70% |
| 48 Months |
$100,000.00 |
2.80% |
| MembersPlus 60 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
2.85% |
| 60 Months |
$100,000.00 |
2.95% |
| MembersBasic 24 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 24 Months |
$1,000.00 |
2.05% |
| 24 Months |
$100,000.00 |
2.15% |
| MembersBasic 36 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 36 Months |
$1,000.00 |
2.20% |
| 36 Months |
$100,000.00 |
2.30% |
| MembersBasic 48 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 48 Months |
$1,000.00 |
2.30% |
| 48 Months |
$100,000.00 |
2.40% |
| MembersBasic 60 Month Bump Up Share IRA Certificate |
| Term | Minimum Balance | APY |
| 60 Months |
$1,000.00 |
2.45% |
| 60 Months |
$100,000.00 |
2.55% |
(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 January 9, 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.
(4) Increased rate will apply to the period of time remaining on the initial certificate term. Contact a branch office for information how to request an increase.
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