For a limited time earn up to 4.334% APY*!

*APY = Annual Percentage Yield
The APY is accurate as of 7/15/25.
12 Months – $5k New Money Share Certificate: You may be eligible for a 0.50% increase on the current Dividend Rate on the 12 Months Share Certificate account if you meet certain eligibility requirements. To be eligible, you must open a 12 Months – $5K New Money Share Certificate account or renew an existing 12 Months Share Certificate account in-person at one of our branches or through our mail-in renewal process. You must also deposit a minimum of $5,000 of New Money into the Share Certificate account at the time of opening or renewing. "New Money" is defined as funds that are not on deposit in any MCU account. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. The 12 Months – $5K New Money Share Certificate account is not offered through our Digital Banking platform and the 12 Months Share Certificate cannot be renewed into a 12Months – $5K New Money Share Certificate through our Digital Banking platform. The account will automatically renew into the 12 Months – Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 12 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 or the eligibility requirements of the 12 Months – $5K New Money Share Certificate at satisfied during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity.