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CD Ladder

Grow your savings with flexibility.

With the "High Five" CD Ladder, you can earn rates up to 5.00% APY with built in liquidity every five months.*

At Members Choice, we're all about making your money hustle for you, without ever tying it down. Our super flexible "High Five" CD Ladder is here to deliver the best of both worlds: awesome earnings and a payday every five months!

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Higher rates

Because we automatically open different terms, we can offer you a fantastic initial Annual Percentage Yield (APY), getting your earnings off to a great start right away.
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Payouts every 5 months

Part of your savings becomes available every five months. So, you can grab that cash if you need it, or just roll it right back into a new CD to keep those returns growing!
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Flexibility + growth

No more feeling stuck! Our CD Ladder gives you that perfect mix of growing your money over time and still having access when you need it.

Can’t decide between a short-term or long-term CD? No worries.

Our "High Five" Certificate (CD) Ladder splits your deposit into four parts that mature every 5 months, so you earn great rates and keep some cash within reach. Minimum $2,000 to open.

Term Dividend Rates APY*
CD Ladder-5 Month  4.89% 5.00%
CD Ladder-10 Month  3.93% 4.00%
CD Ladder-15 Month 3.69% 3.75%
CD Ladder-20 Month 3.45% 3.51%

 

 
 

Contact us directly to open your CD Ladder account

Fill out the short form below to have us open your CD Ladder by phone.

Ready to experience a smarter way to save?

Open Your CD Account by Phone

Call us at 281.398.9900 for assistance, or fill out the form above to get a call back.

Open an Account in a Branch

To apply in person, visit a branch near you or book an in-person appointment.












Disclosures

*Annual Percentage Yield (APY) is accurate as of August 1, 2025. Rates may change at any time without notice. Advertised rate is fixed for the initial terms of the Certificate of Deposit (CD) Ladder only. APY assumes dividends remain on deposit until maturity. After you start the account, you may not make additional deposits to a Certificate Account. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. Minimum opening balance is $2,000. Total amount of CD Ladder deposit will be equally divided among four CDs at varying terms:  5-month CD, 10-month CD, 15-month CD, and 20-month CD. Additional terms and conditions apply.  View complete list of deposit disclosures and Fee Schedule.

 

Additional CD Ladder Terms and Conditions

The CD Ladder is a deposit program that divides your total deposit into four separate fixed-rate certificates of deposit (CDs) with terms of 5, 10, 15, and 20 months. Each CD operates independently with its own maturity date and dividend rate. Each CD within the Ladder may be redeemed separately and may incur penalties for withdrawals made before maturity based on its individual term. No prior relationship requirement to apply for a CD Ladder. Members Choice may discontinue or modify the CD Ladder product at any time without notice.

  • Renewal Policy: All Certificate Accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity into the rate currently in effect at renewal. Members will have a 10-calendar day grace period after maturity to withdraw funds without penalty.
  • Deposit Insurance: Federally Insured by NCUA. Some limitations apply. Click here for more information on deposit insurance.