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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 1.00% 1.00%
    12 Months $50,000 - $99,999 1.05% 1.05%
    12 Months $100,000 + 1.10% 1.10%

    MembersPlus 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 1.15% 1.15%
    24 Months $50,000 - $99,999 1.19% 1.20%
    24 Months $100,000 + 1.24% 1.25%

    MembersPlus 36 Month Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 1.39% 1.40%
    36 Months $50,000 - $99,999 1.44% 1.45%
    36 Months $100,000 + 1.49% 1.50%

    MembersPlus 48 Month Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 1.54% 1.55%
    48 Months $50,000 - $99,999 1.59% 1.60%
    48 Months $100,000 + 1.64% 1.65%

    MembersPlus 60 Month Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 1.69% 1.70%
    60 Months $50,000 - $99,999 1.74% 1.75%
    60 Months $100,000 + 1.79% 1.80%

    MembersBasic CD Rates1,2

    MembersBasic 12 Month Share Certificate
    TermAmountInterest RateAPY
    12 Months $1,000 - $49,999 0.70% 0.70%
    12 Months $50,000 - $99,999 0.75% 0.75%
    12 Months $100,000 + 0.80% 0.80%

    MembersBasic 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 0.84% 0.85%
    24 Months $50,000 - $99,999 0.89% 0.90%
    24 Months $100,000 + 0.95% 0.95%

    MembersBasic 36 Month Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 1.09% 1.10%
    36 Months $50,000 - $99,999 1.15% 1.15%
    36 Months $100,000 + 1.19% 1.20%

    MembersBasic 48 Month Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 1.24% 1.25%
    48 Months $50,000 - $99,999 1.29% 1.30%
    48 Months $100,000 + 1.33% 1.35%

    MembersBasic 60 Month Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 1.39% 1.40%
    60 Months $50,000 - $99,999 1.44% 1.45%
    60 Months $100,000 + 1.49% 1.50%

    MembersPlus Bump Up CD Rates1,2,3,4

    MembersPlus 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 1.28% 1.30%
    36 Months $50,000 - $99,999 1.33% 1.35%
    36 Months $100,000+ 1.39% 1.40%

    MembersPlus 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 1.44% 1.45%
    48 Months $50,000 - $99,999 1.49% 1.50%
    48 Months $100,000+ 1.53% 1.55%

    MembersPlus 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 1.58% 1.60%
    60 Months $50,000 - $99,999 1.64% 1.65%
    60 Months $100,000+ 1.69% 1.70%

    MembersBasic Bump Up CD Rates1,2,4

    MembersBasic 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 0.99% 1.00%
    36 Months $50,000 - $99,999 1.04% 1.05%
    36 Months $100,000+ 1.09% 1.10%

    MembersBasic 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 1.15% 1.15%
    48 Months $50,000 - $99,999 1.19% 1.20%
    48 Months $100,000+ 1.23% 1.25%

    MembersBasic 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 1.28% 1.30%
    60 Months $50,000 - $99,999 1.33% 1.35%
    60 Months $100,000+ 1.39% 1.40%

    Youth CD Rates2,5

    Youth 12 Month Share Certificate
    TermAmountInterest RateAPY
    12 Months $250 - $49,999 0.75% 0.75%
    12 Months $50,000 - $99,999 0.85% 0.85%
    12 Months $100,000 + 0.95% 0.95%

    Youth 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $250 - $49,999 1.00% 1.00%
    24 Months $50,000 - $99,999 1.10% 1.10%
    24 Months $100,000 + 1.19% 1.20%

    Funeral CD Rates1,2

    Funeral Share Certificate
    AmountInterest RateAPY
    $1,000 - $49,999 1.39% 1.40%
    $50,000 - $99,999 1.44% 1.45%
    $100,000 + 1.49% 1.50%

    For more information or to open an account, call us at: 218-625-8600 or use our convenient Video Banking service.

    (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 May 1, 2020.
    (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. Rates and yields are current as of  May 1, 2020. Rates are subject to change. Contact us anytime for the most current information regarding rates. Share savings account limitations may apply. 
    (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) $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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