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    Members Cooperative Credit Union Go to main content

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    Share IRA Certificate Rates
    Share Certificate Rates Loan Rates

    Share IRA Certificate Rates

    Open an IRA Account Online

    MembersBasic 12 Month Share IRA Certificate1
    TermAmountInterest RateAPY2
    12 Months $1,000 - $9,999 0.75% 0.75%
    12 Months $10,000 - $24,999 0.85% 0.85%
    12 Months $25,000 - $49,999 0.90% 0.90%
    12 Months $50,000 - $99,999 1.05% 1.05%
    12 Months $100,000 + 1.15% 1.15%

    MembersBasic 24 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    24 Months $1,000 - $9,999 1.10% 1.10%
    24 Months $10,000 - $24,999 1.15% 1.15%
    24 Months $25,000 - $49,999 1.19% 1.20%
    24 Months $50,000 - $99,999 1.34% 1.35%
    24 Months $100,000 + 1.44% 1.45%

    MembersBasic 36 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    36 Months $1,000 - $9,999 1.34% 1.35%
    36 Months $10,000 - $24,999 1.39% 1.40%
    36 Months $25,000 - $49,999 1.44% 1.45%
    36 Months $50,000 - $99,999 1.59% 1.60%
    36 Months $100,000 + 1.69% 1.70%

    MembersBasic 48 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    48 Months $1,000-$9,999 1.49% 1.50%
    48 Months $10,000-$24,999 1.54% 1.55%
    48 Months $25,000 - $49,999 1.59% 1.60%
    48 Months $50,000-$99,999 1.74% 1.75%
    48 Months $100,000 + 1.84% 1.85%

    MembersBasic 60 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    60 Months $1,000 - $9,999 1.74% 1.75%
    60 Months $10,000 - $24,999 1.84% 1.85%
    60 Months $25,000 - $49,999 1.94% 1.95%
    60 Months $50,000 - $99,999 2.13% 2.15%
    60 Months $100,000 + 2.23% 2.25%

    MembersPlus 12 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY2
    12 Months $1,000 - $9,999 1.00% 1.00%
    12 Months $10,000 - $24,999 1.10% 1.10%
    12 Months $25,000 - $49,999 1.15% 1.15%
    12 Months $50,000 - $99,999 1.39% 1.40%
    12 Months $100,000 + 1.49% 1.50%

    MembersPlus 24 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    24 Months $1,000 - $9,999 1.34% 1.35%
    24 Months $10,000 - $24,999 1.39% 1.40%
    24 Months $25,000 - $49,999 1.44% 1.45%
    24 Months $50,000 - $99,999 1.69% 1.70%
    24 Months $100,000 + 1.79% 1.80%

    MembersPlus 36 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    36 Months $1,000 - $9,999 1.64% 1.65%
    36 Months $10,000 - $24,999 1.69% 1.70%
    36 Months $25,000 - $49,999 1.74% 1.75%
    36 Months $50,000 - $99,999 1.94% 1.95%
    36 Months $100,000 + 2.03% 2.05%

    MembersPlus 48 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    48 Months $1,000-$9,999 1.84% 1.85%
    48 Months $10,000-$24,999 1.89% 1.90%
    48 Months $25,000 - $49,999 1.99% 2.00%
    48 Months $50,000-$99,999 2.18% 2.20%
    48 Months $100,000 + 2.28% 2.30%

    MembersPlus 60 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    60 Months $1,000 - $9,999 2.43% 2.45%
    60 Months $10,000 - $24,999 2.53% 2.55%
    60 Months $25,000 - $49,999 2.72% 2.75%
    60 Months $50,000 - $99,999 2.77% 2.80%
    60 Months $100,000 + 2.87% 2.90%

    (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 June 11, 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.

    See a Financial Solutions Consultant for further details.

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