Take control of your interest rate
With a Business Bump Up Certificate, you can increase your certificate rate once during the term, if our rates rise.1
Bump it up
If our interest rates rise, you can increase your rate once during the certificate term.
More control
If there's a better rate available, you're not locked in. Swap up and earn more.
Flexible terms
Choose a term that works for you, with 24-, 36-, 48-, and 60-month options.
Today's rates
View more rates60 months
As high as % APY2Calculate your earnings3
Final Balance
Contributions: | Earnings:Your rate, your call
If our rates rise during your certificate term, you can do a one-time "bump up" to increase your rate.
One size doesn't fit all
Every situation is different. That's why we offer 24-, 36-, 48-, and 60-month Bump Up Certificate terms.
Great personal service. Best online banking, especially for business use.
-
1
Open a Bump Up Certificate
Open a certificate at a branch or through video banking.
-
2
Make an initial deposit
Get started with an initial minimum deposit of just $1,000.4
-
3
Bump up
If our rates increase, you can bump up your certificate rate once over the term.
Have questions? We're here to help!
Pump up with a Bump Up.
With a Business Bump Up Certificate, you’re in control. If our interest rates rise, you can increase your rate once during the term, and earn even more.
Disclosures
1 The rate on a Business Bump Up Certificate can be increased one time during each term of the certificate. Rate increase requests are limited to the current rates advertised for BusinessBasic and BusinessPlus Certificates for the same term length as of the date the rate increase request is received by Members Cooperative Credit Union. The increased rate will apply to the period of time remaining on the certificate term beginning on the date of the request.
2 APY is the Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the certificate. The stated APY is effective as of November 21, 2024 and is subject to change at any time. Fees may reduce earnings.
3 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. There is no guaranteed rate or earnings on a Business Bump Up Certificate as the rate may be subject to a one time increase. Contact us at 1-800-296-8871 for more information.
4 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
Membership required and subject to account requirements.
Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.
Rates
BusinessPlus Bump Up Certificate rates
Account | Minimum balance | APY |
---|---|---|
BusinessPlus 24 Month Bump Up Share Certificate |
$1,000.00 |
2.35 |
BusinessPlus 24 Month Bump Up Share Certificate |
$100,000.00 |
2.45 |
BusinessPlus 36 Month Bump Up Share Certificate |
$1,000.00 |
2.25 |
BusinessPlus 36 Month Bump Up Share Certificate |
$100,000.00 |
2.35 |
BusinessPlus 48 Month Bump Up Share Certificate |
$1,000.00 |
2.45 |
BusinessPlus 48 Month Bump Up Share Certificate |
$100,000.00 |
2.55 |
BusinessPlus 60 Month Bump Up Share Certificate |
$1,000.00 |
2.45 |
BusinessPlus 60 Month Bump Up Share Certificate |
$100,000.00 |
2.55 |
BusinessBasic Bump Up Certificate rates
Account | Minimum balance | APY |
---|---|---|
BusinessBasic 24 Month Bump Up Share Certificate |
$1,000.00 |
1.95 |
BusinessBasic 24 Month Bump Up Share Certificate |
$100,000.00 |
2.05 |
BusinessBasic 36 Month Bump Up Share Certificate |
$1,000.00 |
1.85 |
BusinessBasic 36 Month Bump Up Share Certificate |
$100,000.00 |
1.95 |
BusinessBasic 48 Month Bump Up Share Certificate |
$1,000.00 |
2.05 |
BusinessBasic 48 Month Bump Up Share Certificate |
$100,000.00 |
2.15 |
BusinessBasic 60 Month Bump Up Share Certificate |
$1,000.00 |
2.05 |
BusinessBasic 60 Month Bump Up Share Certificate |
$100,000.00 |
2.15 |
Open Account
Leaving Our Website
You are now leaving Members’ website. The privacy policy and site security of the external site to which you are going may differ from the credit union’s site. Members has no responsibility for external sites and it does not make any warranty, express or implied, regarding external sites.
Log in to Online Banking
North Branch Building:
It's official! Our new North Branch location is now open! Learn more