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Consumer Deposit Rates

Consumer Deposit Rates

NEW 4.01% APY* Promo CD4

We also have a special 14 Month Jumbo Promotional CD with a competitive rate of 4.01% APY. This is for a limited time only, so act fast to lock in one of the most competitive rates available anywhere.

Open Your CD Account Online

Amount Dividend Rates APY*
$5 to $99.99 .0% N/A
$100.00 and over .05% .05%
Type Dividend Rates APY*
Cash Back Checking1 N/A N/A
Basic Checking N/A
N/A
Opportunity Checking N/A
N/A
Student Checking2
N/A
N/A
Classic Checking (no longer offered)
.05%
.05%
Amount Dividend Rates APY*
$5 and over .10% .10%
Amount Dividend Rates APY*
$2,000 to $9,999.99 .10% .10%
$10,000 to $49,999.99 .10% .10%
$50,000 and over .15% .15%
Dividend Rate APY*
.25% .25%

IRAs can also be invested in Certificates of Deposit at the rates listed below.
MCCU CD Rate Boost Program Icon
($500.00 – $49,999.99)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. 

Secure your savings with confidence. For a limited time, all of our Members Choice Standard CDs come with a CD RATE BOOST3 option. On any new Standard CD opened after September 12, 2022, you can request a one-time rate increase to match the future offered CD rate for that term. Learn more about our CDs here.

Term Dividend Rates APY*
6 Month CD 0.50% 0.50%
12 Month CD  1.40% 1.41%
18 Month CD 0.85% 0.85%
24 Month CD  1.80% 1.81%
36 Month CD  1.25% 1.26%
48 Month CD  1.40% 1.41%
60 Month CD  2.20% 2.22%
MCCU CD Rate Boost Program Icon($50,000 and above)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. Jumbo CD Dividend Rates are .10 more than our Standard CD Dividend Rates.

Secure your savings with confidence. For a limited time, all of our Members Choice Jumbo CDs come with a CD RATE BOOST3 option. On any new Jumbo CD opened after September 12, 2022, you can request a one-time rate increase to match the future offered CD rate for that term.
Term Dividend Rates APY*
6 Month Jumbo CD 0.60% 0.60%
12 Month Jumbo CD  1.50% 1.51%
18 Month Jumbo CD  0.95% 0.95%
24 Month Jumbo CD
1.90% 1.92%
36 Month Jumbo CD
1.35% 1.36%
48 Month Jumbo CD
1.50% 1.51%
60 Month Jumbo CD  2.30% 2.32%

The HERO Savings Program provides law enforcement, first responders, military, educators and healthcare professionals with loan rate discounts and higher savings yields.**


Term Minimum Opening Balance/To Earn APY* Dividend Rates APY*
12 Month Hero CD     $500 1.75% 1.76%
12 Month Hero Jumbo CD    $50,000 1.65% 1.66%


Balance Requirements


Balance Requirements Minimum to Open Minimum to Earn Dividends
Savings $5 $100 (except minor accounts)
Money Market $2,000 $2,000
IRA $5 $5
Certificate of Deposit $500 $500
Jumbo Certificate of Deposit $50,000 $50,000

Disclosures

*APY = Annual Percentage Yield
**Limited time offer. No other discounts will apply. Offer valid for individuals in the following eligible professions and are subject to verification: Medical Professionals such as doctors and nurses, Active-Duty Law Enforcement Officers, Active-Duty Military and Military Veterans, Teaching Profession – Teachers and Administrative Staff. Applicants must select "I qualify as a HERO" in the online application process in order for applicable discounts and savings to apply. You must be a member or eligible for membership to qualify. Rates, terms and conditions are subject to change without notice. Members Choice Hero members can qualify for the following loan benefits: 1.00% rate reduction on Personal Unsecured Signature Loans and 0.50% rate reduction on Vehicle Loans with a loan term of 37 months or higher.

(1) Cash Back Checking Accounts must receive eStatements each month.

(2) In order to qualify for a Student Checking account you must: (1) be between the ages of 15 and 22; (2) you must have a valid student ID; and (3) if under 18, have a qualified adult joint owner.

(3) Rate Boost Program only applies to new certificate of deposits opened on or after September 12, 2022. The minimum initial deposit amount is $500, no maximum. After you start the account, you may not make additional deposits to this Certificate Account. This offer is valid starting September 12, 2022 while quantities last. Certificate of Deposits pledged against a CD Secured Loan do not qualify. Other terms and conditions may apply.

(4) Promotional Certificate of Deposits are not eligible for the Rate Boost Program.

View complete list of deposit disclosures and Fee Schedule.

Rate effective December 01, 2022. Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal.