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    Members Cooperative Credit Union Go to main content

    Online Banking

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    Rates

    Savings Rates
    Share IRA Certificate Rates
    Share Certificate Rates Loan Rates

    Share IRA Certificate Rates

    MembersPlus IRA CD Rates

    MembersPlus 12 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY2
    12 Months $1,000 - $49,999 2.23% 2.25%
    12 Months $50,000 - $99,999 2.33% 2.35%
    12 Months $100,000 + 2.48% 2.50%

    MembersPlus 24 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 2.48% 2.50%
    24 Months $50,000 - $99,999 2.58% 2.60%
    24 Months $100,000 + 2.67% 2.70%

    MembersPlus 36 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.77% 2.80%
    36 Months $50,000 - $99,999 2.87% 2.90%
    36 Months $100,000 + 2.97% 3.00%

    MembersPlus 48 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.82% 2.85%
    48 Months $50,000 - $99,999 2.92% 2.95%
    48 Months $100,000 + 3.02% 3.05%

    MembersPlus 60 Month Share IRA Certificate1,3
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.87% 2.90%
    60 Months $50,000 - $99,999 3.02% 3.05%
    60 Months $100,000 + 3.11% 3.15%

    MembersBasic IRA CD Rates

    MembersBasic 12 Month Share IRA Certificate1
    TermAmountInterest RateAPY2
    12 Months $1,000 - $49,999 1.94% 1.95%
    12 Months $50,000 - $99,999 2.03% 2.05%
    12 Months $100,000 + 2.13% 2.15%

    MembersBasic 24 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 2.18% 2.20%
    24 Months $50,000 - $99,999 2.28% 2.30%
    24 Months $100,000 + 2.38% 2.40%

    MembersBasic 36 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.48% 2.50%
    36 Months $50,000 - $99,999 2.58% 2.60%
    36 Months $100,000 + 2.67% 2.70%

    MembersBasic 48 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.62% 2.65%
    48 Months $50,000 - $99,999 2.77% 2.80%
    48 Months $100,000 + 2.87% 2.90%

    MembersBasic 60 Month Share IRA Certificate1
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.67% 2.70%
    60 Months $50,000 - $99,999 2.87% 2.90%
    60 Months $100,000 + 2.97% 3.00%

     

    MembersPlus Bump Up IRA CD Rates

    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%

    MembersBasic Bump Up IRA CD Rates

    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%

    Stop by your local branch or call us at 1-800-296-8871 to set up an account.

    (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.

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