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    Members Cooperative Credit Union Go to main content

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    Bump-Up CD

    Save with confidence — and flexibility

    With a Bump-Up Certificate of Deposit (CD), you get the best of both worlds: the confidence of a locked-in rate, with the flexibility to bump it up later. And with terms now as short as 24 months, you’ll have the option to access your money even sooner. 

    Let your money earn for you!

    Get higher rates of return than a regular savings account, along with these other benefits:

    • Lock in your rate, with the option to increase it once during the CD term
    • Select your own term length: 24, 36, 48, or 60 months
    • Choose between regular or IRA certificates

    Open a Bump-Up CD

    Have questions? We're here to help! 

    Give us a call at 218-625-8500, schedule an appointment, or use visit us virtually with our convenient video banking service.

    Rates 

    MembersPlus Bump Up CD Rates1,2,3,4

    MembersPlus 24 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $99,999 2.33% 2.35%
    24 Months $100,000+ 2.43% 2.45%

    MembersPlus 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $99,999 2.08% 2.10%
    36 Months $100,000+ 2.18% 2.20%

    MembersPlus 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $99,999 2.18% 2.20%
    48 Months $100,000+ 2.28% 2.30%

    MembersPlus 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $99,999 2.33% 2.35%
    60 Months $100,000+ 2.43% 2.45%

    MembersBasic Bump Up CD Rates1,3,4

    MembersBasic 24 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $99,999 2.03% 2.05%
    24 Months $100,000+ 2.13% 2.15%

    MembersBasic 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $99,999 1.79% 1.80%
    36 Months $100,000+ 1.89% 1.90%

    MembersBasic 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $99,999 1.89% 1.90%
    48 Months $100,000+ 1.99% 2.00%

    MembersBasic 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $99,999 2.03% 2.05%
    60 Months $100,000+ 2.13% 2.15%

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

    MembersPlus 24 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $99,999 2.33% 2.35%
    24 Months $100,000+ 2.43% 2.45%

    MembersPlus 36 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $99,999 2.08% 2.10%
    36 Months $100,000+ 2.18% 2.20%

    MembersPlus 48 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $99,999 2.18% 2.20%
    48 Months $100,000+ 2.28% 2.30%

    MembersPlus 60 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $99,999 2.33% 2.35%
    60 Months $100,000+ 2.43% 2.45%

    MembersBasic Bump Up IRA CD Rates1,3,4

    MembersBasic 24 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $99,999 2.03% 2.05%
    24 Months $100,000+ 2.13% 2.15%

    MembersBasic 36 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $99,999 1.79% 1.80%
    36 Months $100,000+ 1.89% 1.90%

    MembersBasic 48 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $99,999 1.89% 1.90%
    48 Months $100,000+ 1.99% 2.00%

    MembersBasic 60 Month Bump Up Share IRA Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $99,999 2.03% 2.05%
    60 Months $100,000+ 2.13% 2.15%

    (1) APY is the Annual Percentage Yield effective July 6, 2022.
    (2) 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 July 6, 2022. Rates are subject to change. Contact us anytime for the most current information regarding rates. Share savings account limitations may apply.
    (3) $1,000 minimum deposit. Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal.
    (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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    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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