Share Certificate Terms
The minimum balance requirement on most Members Credit Union certificates is $2,000.  Dividends may be paid monthly, quarterly, semiannually, annually, or at the certificate's maturity - at your choice. You may also choose to have dividends paid to you by check, by deposit to another savings account, or by having it reinvested in the certificate.

Redeeming Your Certificate
At the end of the certificate's term, you may redeem your certificate without penalty.  Otherwise, it will be rolled over for another term equal to the original certificate.  If you redeem your certificate prior to maturity, a substantial dividend penalty will be imposed.

$500, 5-Month Certificate
Members Credit Union's $500, 5-month certificate is an easy way to maximize your deposits' earnings. With only a $500 minimum deposit requirement, our 5-month certificate allows affordable access to short-term deposit growth - and a rewarding introduction to fixed-term savings.

60-Month Certificate
The minimum balance requirement on our 60-month certificate is also $2,000, but other restrictions apply. This CD can only be opened with money not currently on deposit at Members Credit Union. As with all share certificates, early withdrawals will incur a significant penalty.

Rates
Members Credit Union consistently offers among the highest certificate rates in the country. Our current rate sheet can be found by clicking here.

Federally Insured
All deposits in Members Credit Union are federally insured by the National Credit Union Administration, a U.S. Government agency.

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