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    Members Cooperative Credit Union Go to main content

    Online Banking

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    Rates

    IRA CD Rates

    MembersPlus IRA CD Rates1,2,3

    MembersPlus 12 Month Share IRA Certificate
    TermMinimum BalanceAPY
    12 Months $1,000.00 2.00%
    12 Months $100,000.00 2.10%

    MembersPlus 24 Month Share IRA Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.50%
    24 Months $100,000.00 2.60%

    MembersPlus 36 Month Share IRA Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.25%
    36 Months $100,000.00 2.35%

    MembersPlus 48 Month Share IRA Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.35%
    48 Months $100,000.00 2.45%

    MembersPlus 60 Month Share IRA Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.65%
    60 Months $100,000.00 2.75%

    MembersBasic IRA CD Rates1,2

    MembersBasic 12 Month Share IRA Certificate
    TermMinimum BalanceAPY
    12 Months $1,000.00 1.70%
    12 Months $100,000.00 1.80%

    MembersBasic 24 Month Share IRA Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.20%
    24 Months $100,000.00 2.30%

    MembersBasic 36 Month Share IRA Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 1.95%
    36 Months $100,000.00 2.05%

    MembersBasic 48 Month Share IRA Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.05%
    48 Months $100,000.00 2.15%

    MembersBasic 60 Month Share IRA Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.35%
    60 Months $100,000.00 2.45%

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

    MembersPlus 24 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.35%
    24 Months $100,000.00 2.45%

    MembersPlus 36 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 2.10%
    36 Months $100,000.00 2.20%

    MembersPlus 48 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 2.20%
    48 Months $100,000.00 2.30%

    MembersPlus 60 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.50%
    60 Months $100,000.00 2.60%

    MembersBasic Bump Up IRA CD Rates1,2,4

    MembersBasic 24 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    24 Months $1,000.00 2.05%
    24 Months $100,000.00 2.15%

    MembersBasic 36 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    36 Months $1,000.00 1.80%
    36 Months $100,000.00 1.90%

    MembersBasic 48 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    48 Months $1,000.00 1.90%
    48 Months $100,000.00 2.00%

    MembersBasic 60 Month Bump Up Share IRA Certificate
    TermMinimum BalanceAPY
    60 Months $1,000.00 2.20%
    60 Months $100,000.00 2.30%

    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.

    (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 September 20, 2022. 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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    NCUAEqual Housing Lender

    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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