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**To be eligible, you must open an 11 Months – New Money certificate account in-person at one of our branches or through our business development teams. The 11 Months – New Money certificate accounts are not offered through our Digital Banking platform. A minimum balance of $5,000.00 of New Money† is required to open a 11 Months – New Money certificate. You may deposit additional New Money† into the 11 Months – New Money certificate account for up to seven (7) days from the date the account is opened. All money deposited into the account must be New Money. New Money is defined as funds that are not on deposit in any MCU account. After seven (7) days from opening the 11 Months – New Money certificate account, no additional deposits are permitted into the account until the renewal period. The account will automatically renew into the Promotional 9 Month certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 9 Month certificate in effect at the time of renewal unless you close the account during the ten (10) day renewal grace period.   Rates Page