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 just a $1,000 minimum deposit.1
Friendly service
Visit us at a branch, by phone, or online! You’ll enjoy our friendly member-focused service.
Today's rates
View rates11 months2
As high asCalculate your monthly savings4
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 balance of just $1,000.
Earn dividends on your dividends
Dividends on 11- 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 $1,000 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.
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1 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
2 11-month certificate will renew to a 12-month term if not withdrawn. This limited-time certificate promotion may be modified or terminated without notice at the credit union’s discretion. Penalty will be imposed for early withdrawal.
3 APY is the Annual Percentage Yield. The stated APY is effective as of January 18, 2025 and is subject to change at any time. Fees may reduce earnings.
4 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 1-800-296-8872 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 |
|---|---|---|
|
11-Month Promotional Certificate |
$ |
|
|
11-Month Promotional Certificate |
$ |
|
Rates effective as of: January 18, 2025
Short-Term Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
Basic 3 Month Share Certificate |
$1,000.00 |
|
|
Basic 3 Month Share Certificate |
$100,000.00 |
|
|
Basic 6 Month Share Certificate |
$1,000.00 |
|
|
Basic 6 Month Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
MembersPlus Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
MembersPlus 12 Month Share Certificate |
$1,000.00 |
|
|
MembersPlus 12 Month Share Certificate |
$100,000.00 |
|
|
MembersPlus 24 Month Share Certificate |
$1,000.00 |
|
|
MembersPlus 24 Month Share Certificate |
$100,000.00 |
|
|
MembersPlus 36 Month Share Certificate |
$1,000.00 |
|
|
MembersPlus 36 Month Share Certificate |
$100,000.00 |
|
|
MembersPlus 48 Month Share Certificate |
$1,000.00 |
|
|
MembersPlus 48 Month Share Certificate |
$100,000.00 |
|
|
MembersPlus 60 Month Share Certificate |
$1,000.00 |
|
|
MembersPlus 60 Month Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
MembersBasic Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
MembersBasic 12 Month Share Certificate |
$1,000.00 |
|
|
MembersBasic 12 Month Share Certificate |
$100,000.00 |
|
|
MembersBasic 24 Month Share Certificate |
$1,000.00 |
|
|
MembersBasic 24 Month Share Certificate |
$100,000.00 |
|
|
MembersBasic 36 Month Share Certificate |
$1,000.00 |
|
|
MembersBasic 36 Month Share Certificate |
$100,000.00 |
|
|
MembersBasic 48 Month Share Certificate |
$1,000.00 |
|
|
MembersBasic 48 Month Share Certificate |
$100,000.00 |
|
|
MembersBasic 60 Month Share Certificate |
$1,000.00 |
|
|
MembersBasic 60 Month Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
Funeral Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
Funeral Share Certificate |
$1,000.00 |
|
|
Funeral Share Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
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