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*APY = Annual Percentage Yield

^{1 To be eligible, you must open an 11 Months – New Money Share Certificate account in-person at one of our branches, through our Digital Banking platform, or through our business development teams. There is a minimum opening deposit and balance requirement of $5,000.00 of New Money† to open a 11 Months – New Money Share Certificate.
"New Money" is defined as funds that are not on deposit in any MCU account. You may deposit additional New Money into the account for up to seven (7) days from the date the account is opened. All money deposited into the account must be New Money. After seven (7) days from opening the 11 Months – New Money Share Certificate, no additional deposits are permitted into the account until the renewal grace period. The 11 Months – New Money Share Certificate will automatically renew into the 9 Months Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 9 Months Share Certificate in effect at the time of renewal unless the account is closed prior to maturity or during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity. Fees may reduce earnings.}