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    Members Cooperative Credit Union Go to main content

    Online Banking

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    Rates

    Share Certificate Rates

    MembersPlus CD Rates1,2,3

    MembersPlus 12 Month Share Certificate
    TermAmountInterest RateAPY
    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 Certificate
    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 Certificate
    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 Certificate
    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 Certificate
    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 CD Rates1,2

    MembersBasic 3 Month Share Certificate
    TermAmountInterest RateAPY
    3 Months/90 Days $1,000 - $49,999 0.70% 0.70%
    3 Months/90 Days $50,000 - $99,999 0.75% 0.75%
    3 Months/90 Days $100,000 + 0.80% 0.80%

    MembersBasic 6 Month Share Certificate
    TermAmountInterest RateAPY
    6 Months/180 Days $1,000 - $49,999 0.75% 0.75%
    6 Months/180 Days $50,000 - $99,999 0.80% 0.80%
    6 Months/180 Days $100,000 + 0.85% 0.85%

    MembersBasic 12 Month Share Certificate
    TermAmountInterest RateAPY
    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 Certificate
    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 Certificate
    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 Certificate
    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 Certificate
    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 CD Rates1,2,3,4

    MembersPlus 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    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 Certificate
    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 Certificate
    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 Bump Up CD Rates1,2,4

    MembersBasic 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    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 Certificate
    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 Certificate
    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 Interest Now CD Rates2,3,5

    MembersPlus 24 Month Interest Now Share Certificate
    TermAmountInterest RateAPY
    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%

    MembersBasic Interest Now CD Rates2,5

    MembersBasic 24 Month Interest Now Share Certificate
    TermAmountInterest RateAPY
    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 Companion Savings CD Rates2,3,6

    Companion Savings for MembersPlus 12 Month Share Certificate
    TermAmountInterest RateAPY
    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 Certificate
    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 Certificate
    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 Certificate
    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 Certificate
    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%

    MembersBasic Companion Savings CD Rates2,6

    Companion Savings for MembersBasic 12 Month Share Certificate
    TermAmountInterest RateAPY
    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 Certificate
    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 Certificate
    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 Certificate
    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 Certificate
    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%

    Youth CD Rates2,7

    Youth 12 Month Share Certificate
    TermAmountInterest RateAPY
    12 Months $250 - $49,999 1.94% 1.95%
    12 Months $50,000 - $99,999 2.03% 2.05%
    12 Months $100,000 + 2.13% 2.15%

    Youth 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $250 - $49,999 2.18% 2.20%
    24 Months $50,000 - $99,999 2.28% 2.30%
    24 Months $100,000 + 2.38% 2.40%

    Funeral CD Rates1,2

    Funeral Share Certificate
    AmountInterest RateAPY
    $1,000 - $49,999 2.67% 2.70%
    $50,000 - $99,999 2.87% 2.90%
    $100,000 + 2.97% 3.00%

    Stop by your local branch or call us at 1-800-296-8871 to open 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.
    (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.
    (7) $250 minimum deposit. Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal.

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