Certificates of Deposit

A certificate of deposit (CD) provides members with the opportunity to lock-in a fixed rate of return for a specified length of time. With CDs, you are guaranteed a competitive interest rate for the full term of the CD.

MCU CDs offer low minimum opening balances starting at $1000 with terms ranging from 6 months to 12 months. Early withdrawal penalties apply.


Certificate of Deposit
Dividend Rate
Annual Percentage Yield
Minimum Opening Deposit
6 Months Share Certificate
12 Months Share Certificate

View all rates

Rates are subject to change without notice. APY assumes dividends remain in the account until maturity. If you close any share account before dividends are paid, you will not receive the accrued dividends for that period. A penalty will be imposed for early withdrawal regarding certificates. Additional fees may or may not be applicable, however if they are applicable, they could reduce earnings on the account. Rates effective March 1, 2018.