Certificates of Deposit

Share Certificate of Deposit

A Share Certificate of Deposit (CD) is an easy and secure way to put money aside. How long you have your certificate determines how much interest you’ll earn. You should look into the specific terms and rates that apply to each certificate before deciding to open a CD and be aware that early withdrawals carry a penalty.

  • Open with as little as $1,000
  • Earn dividends monthly
  • Competitive rates
  • No annual fees
  • Flexible terms from 3 - 60 months
  • Federally insured by NCUA

CDs
Effective Date: Sunday December 4, 2022
CD Options**APY*Minimum Opening Balance
13 Month CD Special*** 4.01% $1,000
3 Month CD .85% $1,000
6 Month CD .85% $1,000
12 Month CD .95% $1,000
18 Month CD .95% $1,000
24 Month CD 1.00% $1,000
36 Month CD 1.10% $1,000
48 Month CD 1.20% $1,000
60 Month CD 1.30% $1,000
3 Month CD .85% $10,000
6 Month CD .85% $10,000
12 Month CD .95% $10,000
18 Month CD .95% $10,000
24 Month CD 1.00% $10,000
36 Month CD 1.10% $10,000
48 Month CD 1.20% $10,000
60 Month CD 1.30% $10,000
3 Month Bonus CD .85% $25,000
6 Month Bonus CD .85% $25,000
12 Month Bonus CD .95% $25,000
18 Month Bonus CD .95% $25,000
24 Month Bonus CD 1.00% $25,000
36 Month Bonus CD 1.10% $25,000
48 Month Bonus CD 1.20% $25,000
60 Month Bonus CD 1.30% $25,000
*APY = Annual Percentage Yield
**Certificates may be subject to penalty for early withdrawal.
***APY = Annual Percentage Yield. 3.94% Annual Percentage Rate. Promotion may be modified or discontinued at any time. $1,000 minimum deposit required. CD will automatically renew at maturity for 12 months at the 12 month rate on the date of maturity. Penalty fees will be assessed if withdrawn early, fees may reduce earnings. MCCU is federally insured by the NCUA. Promotional APY not applicable for IRA CDs.

IRA CDs
Effective Date: Sunday December 4, 2022
IRA CD Options**APY*Minimum Opening Balance
6 Month IRA CD .85% $500
12 Month IRA CD .95% $500
24 Month IRA CD 1.00% $500
36 Month IRA CD 1.10% $500
48 Month IRA CD 1.20% $500
60 Month IRA CD 1.30% $500
*APY = Annual Percentage Yield
**Certificates may be subject to penalty for early withdrawal.

Youth CDs
Effective Date: Sunday December 4, 2022
NameAPY*Minimum Opening Balance
12 Month Youth CD** 0.45% $250
24 Month Youth CD** 0.50% $250
36 Month Youth CD** 0.60% $250
*APY = Annual Percentage Yield
** Youth CD are available for members 17 years and under. These CDs cannot have a term that matures after the 18th birthday of the youth. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.

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