Put your money to work
If you have funds sitting in a low- or no-interest account, a certificate could earn you more.
Earn dividends
Earn higher dividends than many checking or savings accounts.
Dividends compound quarterly
Earn dividends on your dividends with quarterly compounding.
Flexible terms
Flexible terms from three months to five years.
Dividend payment options
Reinvest your dividends or have them transferred to another account.
Low minimum balance
Get started with a low minimum deposit to open an account.1
Friendly service
Visit us at a branch, by phone, or online! You’ll enjoy our friendly member-focused service.
Today's rates
View more rates5 months
As high as % APY2Calculate your earnings3
Final Balance
Contributions: | Earnings:Start earning- big or small
We want savings to be accessible for everyone— that's why our certificates have a low minimum deposit to open a certificate.
Earn dividends on your dividends
Dividends on 12- to 60-month certificates compound quarterly, so you'll grow your savings without lifting a finger.
Members tell us they feel like they're treated like family and appreciate their interactions with employees.
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1
Open an account
It only takes a few minutes to open an account online, at branch, or through video banking.
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2
Make an initial deposit
Get started with a low minimum initial deposit.
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3
Earn dividends
Sit back and watch your savings grow quarterly.
Have questions? We're here to help!
Put your money to work in a certificate
If you have money just chilling, put it to work in a certificate and earn higher interest rates than many checking or savings accounts.
Disclosures
1 $1,000 minimum deposit to open an account. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
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. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
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
Promotional Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
5 Month Share Certificate |
$1,000.00 |
4.50 |
|
13 Month Share Certificate |
$1,000.00 |
4.25 |
Short-Term Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
Basic 3 Month Share Certificate |
$1,000.00 |
1.25 |
|
Basic 3 Month Share Certificate |
$100,000.00 |
1.25 |
|
Basic 6 Month Share Certificate |
$1,000.00 |
2.00 |
|
Basic 6 Month Share Certificate |
$100,000.00 |
2.00 |
MembersPlus Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
MembersPlus 12 Month Share Certificate |
$1,000.00 |
3.00 |
|
MembersPlus 12 Month Share Certificate |
$100,000.00 |
3.10 |
|
MembersPlus 24 Month Share Certificate |
$1,000.00 |
2.50 |
|
MembersPlus 24 Month Share Certificate |
$100,000.00 |
2.60 |
|
MembersPlus 36 Month Share Certificate |
$1,000.00 |
2.40 |
|
MembersPlus 36 Month Share Certificate |
$100,000.00 |
2.50 |
|
MembersPlus 48 Month Share Certificate |
$1,000.00 |
2.60 |
|
MembersPlus 48 Month Share Certificate |
$100,000.00 |
2.70 |
|
MembersPlus 60 Month Share Certificate |
$1,000.00 |
2.60 |
|
MembersPlus 60 Month Share Certificate |
$100,000.00 |
2.70 |
MembersBasic Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
MembersBasic 12 Month Share Certificate |
$1,000.00 |
2.15 |
|
MembersBasic 12 Month Share Certificate |
$100,000.00 |
2.25 |
|
MembersBasic 24 Month Share Certificate |
$1,000.00 |
2.10 |
|
MembersBasic 24 Month Share Certificate |
$100,000.00 |
2.20 |
|
MembersBasic 36 Month Share Certificate |
$1,000.00 |
2.00 |
|
MembersBasic 36 Month Share Certificate |
$100,000.00 |
2.10 |
|
MembersBasic 48 Month Share Certificate |
$1,000.00 |
2.20 |
|
MembersBasic 48 Month Share Certificate |
$100,000.00 |
2.30 |
|
MembersBasic 60 Month Share Certificate |
$1,000.00 |
2.20 |
|
MembersBasic 60 Month Share Certificate |
$100,000.00 |
2.30 |
Funeral Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
Funeral Share Certificate |
$1,000.00 |
2.20 |
|
Funeral Share Certificate |
$100,000.00 |
2.30 |
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