Take control of your interest rate
With a 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.
Members regularly rave about our competitive rates, convenient locations and friendly staff.
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1
Open a Bump Up Certificate
It's easy to open a certificate online, at a branch, or through video banking.
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2
Make an initial deposit
Get started with an initial minimum deposit of just $1,000.4
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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 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 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 MembersBasic and MembersPlus 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 Bump Up Certificate as the rate may be subject to a one time increase. Contact Members Cooperative Credit Union 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
MembersPlus Bump Up Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
MembersPlus 24 Month Bump Up Share Certificate |
$1,000.00 |
2.35 |
|
MembersPlus 24 Month Bump Up Share Certificate |
$100,000.00 |
2.45 |
|
MembersPlus 36 Month Bump Up Share Certificate |
$1,000.00 |
2.25 |
|
MembersPlus 36 Month Bump Up Share Certificate |
$100,000.00 |
2.35 |
|
MembersPlus 48 Month Bump Up Share Certificate |
$1,000.00 |
2.45 |
|
MembersPlus 48 Month Bump Up Share Certificate |
$100,000.00 |
2.55 |
|
MembersPlus 60 Month Bump Up Share Certificate |
$1,000.00 |
2.45 |
|
MembersPlus 60 Month Bump Up Share Certificate |
$100,000.00 |
2.55 |
MembersBasic Bump Up Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
MembersBasic 24 Month Bump Up Share Certificate |
$1,000.00 |
1.95 |
|
MembersBasic 24 Month Bump Up Share Certificate |
$100,000.00 |
2.05 |
|
MembersBasic 36 Month Bump Up Share Certificate |
$1,000.00 |
1.85 |
|
MembersBasic 36 Month Bump Up Share Certificate |
$100,000.00 |
1.95 |
|
MembersBasic 48 Month Bump Up Share Certificate |
$1,000.00 |
2.05 |
|
MembersBasic 48 Month Bump Up Share Certificate |
$100,000.00 |
2.15 |
|
MembersBasic 60 Month Bump Up Share Certificate |
$1,000.00 |
2.05 |
|
MembersBasic 60 Month Bump Up Share Certificate |
$100,000.00 |
2.15 |
MembersPlus Bump Up IRA Certificate rates
| Minimum balance | APY | |
|---|---|---|
|
MembersPlus 24 Month Bump Up Share IRA Certificate |
$1,000.00 |
2.35 |
|
MembersPlus 24 Month Bump Up Share IRA Certificate |
$100,000.00 |
2.45 |
|
MembersPlus 36 Month Bump Up Share IRA Certificate |
$1,000.00 |
2.25 |
|
MembersPlus 36 Month Bump Up Share IRA Certificate |
$100,000.00 |
2.35 |
|
MembersPlus 48 Month Bump Up Share IRA Certificate |
$1,000.00 |
2.45 |
|
MembersPlus 48 Month Bump Up Share IRA Certificate |
$100,000.00 |
2.55 |
|
MembersPlus 60 Month Bump Up Share IRA Certificate |
$1,000.00 |
2.45 |
|
MembersPlus 60 Month Bump Up Share IRA Certificate |
$100,000.00 |
2.55 |
MembersBasic Bump Up IRA Certificate rates
| Minimum balance | APY | |
|---|---|---|
|
MembersBasic 24 Month Bump Up Share IRA Certificate |
$1,000.00 |
1.95 |
|
MembersBasic 24 Month Bump Up Share IRA Certificate |
$100,000.00 |
2.05 |
|
MembersBasic 36 Month Bump Up Share IRA Certificate |
$1,000.00 |
1.85 |
|
MembersBasic 36 Month Bump Up Share IRA Certificate |
$100,000.00 |
1.95 |
|
MembersBasic 48 Month Bump Up Share IRA Certificate |
$1,000.00 |
2.05 |
|
MembersBasic 48 Month Bump Up Share IRA Certificate |
$100,000.00 |
2.15 |
|
MembersBasic 60 Month Bump Up Share IRA Certificate |
$1,000.00 |
2.05 |
|
MembersBasic 60 Month Bump Up Share IRA Certificate |
$100,000.00 |
2.15 |
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