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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.

    IRA Certificates

    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

    Stop by your local branch or call us at 1-800-296-8871 to open an account.

    We also offer IRA savings!


    IRA CD Rates

    MembersPlus IRA CD Rates1,2,3

    MembersPlus 12 Month Share IRA 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 IRA 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 IRA 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 IRA 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 IRA 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 IRA CD Rates1,2

    MembersBasic 12 Month Share IRA 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 IRA 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 IRA 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 IRA 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 IRA 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%

     

    MembersPlus Bump Up IRA CD Rates1,2,3,4

    MembersPlus 36 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.43% 2.45%
    36 Months $50,000 - $99,999 2.53% 2.55%
    36 Months $100,000+ 2.62% 2.65%

    MembersPlus 48 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.48% 2.50%
    48 Months $50,000 - $99,999 2.58% 2.60%
    48 Months $100,000+ 2.67% 2.70%

    MembersPlus 60 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.53% 2.55%
    60 Months $50,000 - $99,999 2.67% 2.70%
    60 Months $100,000+ 2.77% 2.80%

    MembersBasic Bump Up IRA CD Rates1,3,4

    MembersBasic 36 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.13% 2.15%
    36 Months $50,000 - $99,999 2.23% 2.25%
    36 Months $100,000+ 2.33% 2.35%

    MembersBasic 48 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.28% 2.30%
    48 Months $50,000 - $99,999 2.43% 2.45%
    48 Months $100,000+ 2.53% 2.55%

    MembersBasic 60 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.33% 2.35%
    60 Months $50,000 - $99,999 2.53% 2.55%
    60 Months $100,000+ 2.62% 2.65%

    (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.
    (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. Fees can reduce earnings. Penalty imposed for early withdrawal.

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