Member Services

Savings

Investment Accounts Options

Money Market Share

Enjoy higher earnings yet retain the flexibility to access your funds. Choose the earning tier rate that works for you. We offer a premium dividend rate that grows as the money in your account grows.

Money Market Share Rates
Account	Minimum Balance for Yield	Rate	APY*	Dividend & Interest
Money Market Shares	$1,000 - 4,999	0.15%	0.15%	Dividend calculated daily, compounded and credited every month
	$5,000 - 9,999	0.20%	0.20%	Dividend calculated daily, compounded and credited every monthly
	$10,000 +	0.30%	0.30%	Dividend calculated daily, compounded and credited every monthly
* Annual Percentage Yield

Certificate of Deposit

We have competitive rates and terms to allow you to earn guaranteed returns on your investment. CD’s designed for the individual who would like to secure their funds for a specific term. We offer jumbo CD rates, check our rates to see which term works for you. Choose from the many terms available to you.

Certificate of Deposit
Term	Minimum Deposit to Open	Rate	APY*
3 month	$500	0.25%	0.25%
6 month	$500	0.25%	0.25%
12 month	$500	0.25%	0.25%
18 month	$1,000	0.50%	0.50%
24 month	$1,000	0.50%	0.50%
60 month	$1,000	0.75%	0.75%
12 month jumbo	$25,000	0.50%	0.50%
24 month jumbo	$25,000	0.50%	0.50%
36 month jumbo	$25,000	0.75%	0.75%
48 month jumbo	$25,000	1.00%	1.00%
60 month jumbo	$25,000	1.25%	1.26%
* Annual Percentage Yield
Interest calculated daily, compounded and credited every month

BONUS CD RATE FOR DIRECT CHECKING & INTEREST CHECKING
Term	Minimum Deposit to Open	Rate	APY*
3 month	$500	0.50%	0.50%
6 month	$500	0.50%	0.50%
12 month	$500	0.50%	0.50%
* Annual Percentage Yield

IRA Certificate of Deposit

Enjoy the tax advantages of opening an Individual Retirement Account with guaranteed earnings on your investment. We offer many rates and terms available to meet your needs.

Individual Retirement Account CD Rates
Name	Term	Minimum Deposit to Open	Rate	APY*
Traditional	12 month	$500	0.25%	0.25%
	24 month	$500	0.50%	0.50%
	60 month	$500	0.75%	0.75%
	12 month jumbo	$25,000	0.50%	0.50%
	36 month jumbo	$25,000	0.75%	0.75%
	48 month jumbo	$25,000	1.00%	1.00%
	60 month jumbo	$25,000	1.25%	1.26%
Roth	12 month	$500	0.25%	0.25%
	24 month	$500	0.50%	0.50%
	60 month	$500	0.75%	0.75%
	12 month jumbo	$25,000	0.50%	0.50%
	36 month jumbo	$25,000	0.75%	0.75%
	48 month jumbo	$25,000	1.00%	1.00%
	60 month jumbo	$25,000	1.25%	1.26%
Roth Conversion	12 month	$500	0.25%	0.25%
	24 month	$500	0.50%	0.50%
	60 month	$500	0.75%	0.75%
	12 month jumbo	$25,000	0.50%	0.50%
	36 month jumbo	$25,000	0.75%	0.75%
	48 month jumbo	$25,000	1.00%	1.00%
	60 month jumbo	$25,000	1.25%	1.26%
Educational	24 month	$500	0.50%	0.50%
* Annual Percentage Yield

IRA Share

We offer Traditional, Roth, Roth Conversion, and Coverdell Education Savings Accounts to meet your investment needs. Whether planning for retirement, making a rollover of a 401K or deferred retirement account, or planning for educational expenses, we have the IRA investment account to meet your needs. Our terms and rates vary, please check our current rates.

Individual Retirement Account Rates
Account	Minimum Deposit to Open	Rate	APY*
IRA - Traditional	$0	0.35%	0.35%
IRA - Roth	$0	0.35%	0.35%
IRA - Roth Conversion	$0	0.35%	0.35%
IRA - Education	$0	0.35%	0.35%
* Annual Percentage Yield

Seeking other investment options click here. These additional investment options are not NCUA insured nor offered directly by Members Credit Union.

We are providing these links to the Internal Revenue Service for additional information. Please consult your professional tax adviser for detailed tax information concerning your investments.

Return to Top