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If you are looking to securely grow your savings over time, savings certificates are a great way to earn a high return. The idea is simple. You deposit a certain amount of money into the certificate for a term you choose. Since you are letting us hold your funds, we reward you with a higher dividend rate.
MCU offers a wide variety of terms and dividend rates to suit your needs:
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All of the above certificates can be used for savings or for IRA purposes.
Other Specialty Certificates
If you prefer to bank online and have an eChecking account with MCU, you can take advantage of the simplicity of our eCertificates. Savvy Checking Members are qualified to open exclusive Savvy Add-on and Variable-dividend rate Savvy Certificates.
Your Savings Are Insured
Your deposits at MCU are insured up to $250,000 (individual retirement accounts are insured separately up to $250,000) by NCUA, a federal government agency.
Regular |
Jumbo |
Loyalty |
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Term |
Dividend Rate |
APY |
Dividend Rate |
APY |
Dividend Rate |
APY |
90 days |
1.29% |
1.30% |
1.74% |
1.75% |
1.79% |
1.80% |
6 mos. |
1.73% |
1.74% |
2.18% |
2.20% |
2.23% |
2.25% |
1 yr. |
2.32% |
2.34% |
2.77% |
2.81% |
2.82% |
2.86% |
18 mos. |
2.32% |
2.34% |
2.77% |
2.81% |
2.82% |
2.86% |
2 yrs. |
2.57% |
2.60% |
3.02% |
3.06% |
3.07% |
3.11% |
30 mos. |
2.57% |
2.60% |
3.02% |
3.06% |
3.07% |
3.11% |
3 yrs. |
2.95% |
2.99% |
3.40% |
3.45% |
3.45% |
3.51% |
4 yrs. |
3.00% |
3.04% |
3.45% |
3.51% |
3.50% |
3.56% |
5 yrs. |
3.44% |
3.49% |
3.89% |
3.96% |
3.94% |
4.01% |
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checking
eCertificates