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
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!
IRA CD Rates
| MembersPlus 12 Month Share IRA 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 IRA 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 IRA 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 IRA 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 IRA 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 IRA 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 IRA 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 IRA 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 IRA 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 IRA 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% |
| MembersPlus 36 Month Bump Up Share IRA Certificate |
| Term | Amount | Interest Rate | APY |
| 36 Months |
$1,000 - $49,999 |
0.90% |
0.90% |
| 36 Months |
$50,000 - $99,999 |
1.00% |
1.00% |
| 36 Months |
$100,000+ |
1.09% |
1.10% |
| MembersPlus 48 Month Bump Up Share IRA Certificate |
| Term | Amount | Interest Rate | APY |
| 48 Months |
$1,000 - $49,999 |
1.00% |
1.00% |
| 48 Months |
$50,000 - $99,999 |
1.09% |
1.10% |
| 48 Months |
$100,000+ |
1.19% |
1.20% |
| MembersPlus 60 Month Bump Up Share IRA Certificate |
| Term | Amount | Interest Rate | APY |
| 60 Months |
$1,000 - $49,999 |
1.09% |
1.10% |
| 60 Months |
$50,000 - $99,999 |
1.19% |
1.20% |
| 60 Months |
$100,000+ |
1.28% |
1.30% |
| MembersBasic 36 Month Bump Up Share IRA Certificate |
| Term | Amount | Interest Rate | APY |
| 36 Months |
$1,000 - $49,999 |
0.60% |
0.60% |
| 36 Months |
$50,000 - $99,999 |
0.70% |
0.70% |
| 36 Months |
$100,000+ |
0.79% |
0.80% |
| MembersBasic 48 Month Bump Up Share IRA Certificate |
| Term | Amount | Interest Rate | APY |
| 48 Months |
$1,000 - $49,999 |
0.70% |
0.70% |
| 48 Months |
$50,000 - $99,999 |
0.79% |
0.80% |
| 48 Months |
$100,000+ |
0.90% |
0.90% |
| MembersBasic 60 Month Bump Up Share IRA Certificate |
| Term | Amount | Interest Rate | APY |
| 60 Months |
$1,000 - $49,999 |
0.79% |
0.80% |
| 60 Months |
$50,000 - $99,999 |
0.90% |
0.90% |
| 60 Months |
$100,000+ |
0.99% |
1.00% |
(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.
(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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