Your savings federally insured to at least
$250,000 and backed by the full faith
and 
Need help? Call us at 800.662.2772
MCU Savings Certificates are a great way to securely grow your savings over time.
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. And your funds are NCUA insured up to $250,000.
MCU offers a wide variety of options and terms to suit your needs.
Loyalty Savings Certificates
Our best certificate option! When you have an active checking, loan or money market at MCU, you
qualify for our best certificate savings dividend rate.
- Choose a term from 90-days to 5-years
- $500 minimum balance
- Can be used for IRA savings
Regular Savings Certificates
Regular Saving Certificates offer safe, secure growth.
Choose a term from 90-days to 5-years
- $500 minimum balance
- Can be used for IRA savings
Jumbo Certificates
A higher minimum balance requirement locks in a higher dividend rate:
- Choose a term from 90-days to 5-years
- $50,000 minimum balance
- Can be used for IRA savings
eCertificates
If you prefer to open your certificate online you can take advantage of 10-month and 20-month eCertificate options.
- Must open online
- $500 minimum balance
No matter how you choose to invest your certificate dollars at MCU, you'll enjoy lots of ways to manage your funds:
- View account balance and dividend postings online with Free MCU Online Banking or Mobile Banking
- 24-hour phone access
- Sign up for Certificate Maturity eAlerts and we’ll send you an email when your certificate will be maturing.
3 Ways to Apply
1. Fill out a secure online application
2. Call 800-662-2772
3. Visit MCU