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    Members Cooperative Credit Union Go to main content

    ONLINE BANKING

    NEW USER? ENROLL NOW
    ONLINE BANKING LOGIN

    Sweet CD Rates

    Open a CD Online

    Bump Up CD Rates


    MembersBasic 36 Month Bump Up Share Certificate1,4
    TermAmountInterest RateAPY2
    36 Months $1,000 - $49,999 2.38% 2.40%
    36 Months $50,000 - $99,999 2.48% 2.50%
    36 Months $100,000+ 2.57% 2.60%

    MembersBasic 48 Month Bump Up Share Certificate1,4
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.53% 2.55%
    48 Months $50,000 - $99,999 2.67% 2.70%
    48 Months $100,000+ 2.77% 2.80%

    MembersBasic 60 Month Bump Up Share Certificate1,4
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.58% 2.60%
    60 Months $50,000 - $99,999 2.77% 2.80%
    60 Months $100,000+ 2.87% 2.90%

    MembersPlus 36 Month Bump Up Share Certificate1,3,4
    TermAmountInterest RateAPY2
    36 Months $1,000 - $49,999 2.67% 2.70%
    36 Months $50,000 - $99,999 2.77% 2.80%
    36 Months $100,000+ 2.87% 2.90%

    MembersPlus 48 Month Bump Up Share Certificate1,3,4
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.72% 2.75%
    48 Months $50,000 - $99,999 2.82% 2.85%
    48 Months $100,000+ 2.92% 2.95%

    MembersPlus 60 Month Bump Up Share Certificate1,3,4
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.77% 2.80%
    60 Months $50,000 - $99,999 2.92% 2.95%
    60 Months $100,000+ 3.01% 3.05%

    MembersBasic 36 Month Bump Up Share IRA Certificate1,4
    TermAmountInterest RateAPY2
    36 Months $1,000 - $49,999 2.38% 2.40%
    36 Months $50,000 - $99,999 2.48% 2.50%
    36 Months $100,000+ 2.57% 2.60%

    MembersBasic 48 Month Bump Up Share IRA Certificate1,4
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.53% 2.55%
    48 Months $50,000 - $99,999 2.67% 2.70%
    48 Months $100,000+ 2.77% 2.80%

    MembersBasic 60 Month Bump Up Share IRA Certificate1,4
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.58% 2.60%
    60 Months $50,000 - $99,999 2.77% 2.80%
    60 Months $100,000+ 2.87% 2.90%

    MembersPlus 36 Month Bump Up Share IRA Certificate1,3,4
    TermAmountInterest RateAPY2
    36 Months $1,000 - $49,999 2.67% 2.70%
    36 Months $50,000 - $99,999 2.77% 2.80%
    36 Months $100,000+ 2.87% 2.90%

    MembersPlus 48 Month Bump Up Share IRA Certificate1,3,4
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.72% 2.75%
    48 Months $50,000 - $99,999 2.82% 2.85%
    48 Months $100,000+ 2.92% 2.95%

    MembersPlus 60 Month Bump Up Share IRA Certificate1,3,4
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.77% 2.80%
    60 Months $50,000 - $99,999 2.92% 2.95%
    60 Months $100,000+ 3.02% 3.05%

    Interest Now CD Rates


    MembersBasic 24 Month Interest Now Share Certificate5
    TermAmountInterest RateAPY2
    24 Months $25,000 - $49,999 2.00% 2.00%
    24 Months $50,000 - $99,999 2.10% 2.10%
    24 Months $100,000+ 2.20% 2.20%

    MembersPlus 24 Month Interest Now Share Certificate3,5
    TermAmountInterest RateAPY2
    24 Months $25,000 - $49,999 2.30% 2.30%
    24 Months $50,000 - $99,999 2.40% 2.40%
    24 Months $100,000+ 2.50% 2.50%

    Companion Account Rates


    Companion Savings for MembersBasic 12 Month Share Certificate6
    TermAmountInterest RateAPY2
    12 Months $0.00 - $49,999 1.44% 1.45%
    12 Months $50,000 - $99,999 1.54% 1.55%
    12 Months $100,000+ 1.64% 1.65%

    Companion Savings for MembersBasic 24 Month Share Certificate6
    TermAmountInterest RateAPY
    24 Months $0.00 - $49,999 1.69% 1.70%
    24 Months $50,000 - $99,999 1.79% 1.80%
    24 Months $100,000+ 1.89% 1.90%

    Companion Savings for MembersBasic 36 Month Share Certificate6
    TermAmountInterest RateAPY
    36 Months $0.00 - $49,999 1.99% 2.00%
    36 Months $50,000 - $99,999 2.08% 2.10%
    36 Months $100,000+ 2.18% 2.20%

    Companion Savings for MembersBasic 48 Month Share Certificate6
    TermAmountInterest RateAPY
    48 Months $0.00 - $49,999 2.13% 2.15%
    48 Months $50,000 - $99,999 2.28% 2.30%
    48 Months $100,000+ 2.38% 2.40%

    Companion Savings for MembersBasic 60 Month Share Certificate6
    TermAmountInterest RateAPY
    60 Months $0.00 - $49,999 2.18% 2.20%
    60 Months $50,000 - $99,999 2.38% 2.40%
    60 Months $100,000+ 2.48% 2.50%

    Companion Savings for MembersPlus 12 Month Share Certificate3,6
    TermAmountInterest RateAPY2
    12 Months $0.00 - $49,999 1.74% 1.75%
    12 Months $50,000 - $99,999 1.84% 1.85%
    12 Months $100,000+ 1.99% 2.00%

    Companion Savings for MembersPlus 24 Month Share Certificate3,6
    TermAmountInterest RateAPY
    24 Months $0.00 - $49,999 1.99% 2.00%
    24 Months $50,000 - $99,999 2.08% 2.10%
    24 Months $100,000+ 2.18% 2.20%

    Companion Savings for MembersPlus 36 Month Share Certificate3,6
    TermAmountInterest RateAPY
    36 Months $0.00 - $49,999 2.28% 2.30%
    36 Months $50,000 - $99,999 2.38% 2.40%
    36 Months $100,000+ 2.48% 2.50%

    Companion Savings for MembersPlus 48 Month Share Certificate3,6
    TermAmountInterest RateAPY
    48 Months $0.00 - $49,999 2.33% 2.35%
    48 Months $50,000 - $99,999 2.43% 2.45%
    48 Months $100,000+ 2.53% 2.55%

    Companion Savings for MembersPlus 60 Month Share Certificate3,6
    TermAmountInterest RateAPY
    60 Months $0.00 - $49,999 2.38% 2.40%
    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, 2018.
    (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.
    (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.
    (5) Interest paid 15 days after certificate deposit when funds are drawn on another financial institution. Certificate will renew into a traditional 24- month certificate if not redeemed within the 10- day grace period. Does not qualify for a Companion Account. Available only for consumer certificates. Fees can reduce certificate earnings. Penalty imposed for early certificate withdrawal. Penalty calculated as a forfeiture of the dividends that have been or would have been earned on the account over 180 days and forfeiture of unearned dividends that have been prepaid. $25,000 minimum deposit.
    (6) Companion savings account must be opened at the time of the certificate deposit and must equal the certificate balance. Additional deposits into the companion savings account are prohibited; account withdrawals, subject to regulatory restrictions, and closure are permitted. Early withdrawal or redemption of the companion certificate will result in the companion savings account balance being transferred into the member’s share savings account. Companion savings account rate will be less than the companion certificate rate; contact a branch office for more information. Fees can reduce certificate earnings. Penalty imposed for early certificate withdrawal. $2,500 minimum deposit.

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