Amp up for retirement
Get a high dividend rate with an IRA Certificate and build your retirement account securely.1
Lock in rates
Know what you'll earn over the life of your certificate.
Flexible terms
Choose a certificate term from 11 to 60 months.
Low minimum deposits
Open an IRA Certificate with as little as $1,000.2
Dividends compound quarterly
Watch your savings grow as your dividends compound quarterly.
No fees
There's no fee to open an IRA Certificate.
Transfer funds
Easily transfer funds from other institutions so your savings are in one reliable place.
Today's rates
View rates11 months3
As high asCalculate your monthly savings5
Final Balance
Contributions: | Earnings:Your rate won't change
No market volatility. No risk. Your rate is locked in at the beginning of the term, and doesn't change during that time.
Start big or small
We believe saving for retirement should be accessible for everyone. Start your IRA Certificate with just $1,000 minimum.
Strategize for tax impacts
With different tax implications during investment and at withdrawal, we offer Traditional, Roth and SEP IRA Certificate options for flexibility.
Members regularly rave about our competitive rates, convenient locations and friendly staff.
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1
Complete an application
Open an IRA Certificate at a branch or through video banking.
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2
Choose a term
Determine the best term length and make your initial deposit.
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3
Earn dividends
Sit back and watch your retirement savings grow.
Have questions? We're here to help!
Enjoy your retirement
You’ve worked to earn a living, now let your earnings do some work! Open an IRA Certificate today to earn higher dividends on your retirement savings.
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1 IRA Certificate eligibility, contributions, and withdrawals are subject to applicable laws and regulations.
2 $1,000 minimum balance. Fees could reduce earnings on the account. A penalty will be imposed for early withdrawal.
3 11-month certificate will renew to a 12-month term if not withdrawn.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.
4 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.
5 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.
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 IRA Certificate rates
| Account | Minimum balance | APY |
|---|---|---|
|
11-Month Promotional IRA Certificate |
$ |
|
|
11-Month Promotional IRA Certificate |
$ |
|
Rates effective as of: January 18, 2025
MembersPlus IRA Certificate rates
| Minimum balance | APY | |
|---|---|---|
|
MembersPlus 12 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 12 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersPlus 24 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 24 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersPlus 36 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 36 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersPlus 48 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 48 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersPlus 60 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 60 Month Share IRA Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
MembersBasic IRA Certificate rates
| Minimum balance | APY | |
|---|---|---|
|
MembersBasic 12 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 12 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersBasic 24 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 24 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersBasic 36 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 36 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersBasic 48 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 48 Month Share IRA Certificate |
$100,000.00 |
|
|
MembersBasic 60 Month Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 60 Month Share IRA Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
MembersPlus Bump Up IRA Certificate rates
| Minimum balance | APY | |
|---|---|---|
|
MembersPlus 24 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 24 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
|
MembersPlus 36 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 36 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
|
MembersPlus 48 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 48 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
|
MembersPlus 60 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersPlus 60 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
MembersBasic Bump Up IRA Certificate rates
| Minimum balance | APY | |
|---|---|---|
|
MembersBasic 24 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 24 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
|
MembersBasic 36 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 36 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
|
MembersBasic 48 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 48 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
|
MembersBasic 60 Month Bump Up Share IRA Certificate |
$1,000.00 |
|
|
MembersBasic 60 Month Bump Up Share IRA Certificate |
$100,000.00 |
|
Rates effective as of: January 18, 2025
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