Save on your terms with a Certificate
Work Hard, Save Smart!
Enjoy higher dividends than basic savings accounts with terms from 6 to 36 months to match your short-term or long-term goals.
Features & Benefits
- Low minimum opening deposit
- Guaranteed returns
- Flexible maturity options from 6-36 months
- Funds are insured up to $250,000 by NCUA
Today's Rates
Share Certificate
12-Month-Bonus Rate
4.07 %
APY(*)Share Certificate
9-Month
3.30 %
APY(*)Share Certificate
24-Month
3.56 %
APY(*)You Set the Term, You Decide What Dividends You Earn.
Like a CD, a fixed-rate Share Certificate is a type of savings product that earns a set annual percentage yield (APY) rate over its entire term. This means that you, as an MCU member, can expect to earn consistent dividends for the period of time (or “term”) that you agree to keep money with us.
*APY = Annual Percentage Yield
The APY is accurate as of today's date.
No Matter Where You Are in Life, We’re Right There with You.
At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.
That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.

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