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Certificates of Deposit (CDs)

Rates so good you’ll check off every money goal on your list.

Limited Time 7-Mo Promo CD

4.00% APY*

7 Month Promotional CD   
  • Only $500 minimum to open3

Open Your CD Account Online,
by Phone, or at a Branch

Limited Time 8-Mo Promo CD

3.75% APY*

8 Month Promotional CD   
  • Only $500 minimum to open3

Open Your CD Account Online,
by Phone, or at a Branch

Limited Time 14-Mo Promo CD

3.51% APY*

14 Month Promotional CD    
  • Only $500 minimum to open3

Open Your CD Account Online,
by Phone, or at a Branch

Turn small spends into big wins!

Want to grow your savings fast and save up for something big like college, a home remodel, or that dream vacation? CDs (Certificates of Deposit) are a great way to set money aside in a separate account. The best part is this account earns money at a higher interest rate. So, while your cash is chilling in the account, it's making extra money for you. Then, at the end of the term, you'll have more money to put toward checking off all those goals!


MCCU CD Rate Boost Program Icon

Stay flexible with your savings to secure your future earnings.

For a limited time, our non-promotional Members Choice standard and jumbo CDs come with a CD RATE BOOST option. On any new Non-Promotional Standard or Jumbo CD, you can request a one-time rate increase to match the future offered CD rate for that term. Promo Rate CDs not eligible.2

Here's why you'll like a CD from Members Choice.

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You can open an account with just $500—making it easy to start saving!
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Pick from a variety of terms and enjoy competitive rates, from 6 months to 60 months!
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Get Jumbo CD rates for deposits of $100,000 or more, and IRA CDs4 are available too!
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All Members Choice CDs are federally insured.1


Have questions for one of our representatives?

Fill out the short form below to hear back within the next business day.

Are you ready to get more return on your money?

Open Your CD Account Online

Open a CD at a Branch Near You


Current Members Choice members, if you have the available funds in an existing share account, you can “Quick Apply” for a new CD in online banking or your mobile app. Login, and click on “Quick Apply” in the main navigation then click on "Open an Account, CD or Loan" to get started (you may need to click on the “More” button to view).

Current Credit Union CD Rates

MCCU CD Rate Boost Program Icon
($500.00 – $99,999.99)
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, any non-promotional Members Choice CDs come with a CD RATE BOOST2 option. On any new regular standard CD opened, you can request a one-time rate increase to match the future offered CD rate for that term. 

Term Dividend Rates APY*
6 Month CD 1.74% 1.75%
7 Month Promotional CD  3.93% 4.00%
8 Month Promotional CD 3.69% 3.75%
12 Month CD 2.96% 3.00%
14 Month Promotional CD
 3.45% 3.51%
18 Month CD 2.72% 2.75%
24 Month CD 3.45% 3.51%
36 Month CD 2.96% 3.00%
48 Month CD 2.72% 2.75%
60 Month CD 2.47% 2.50% 
MCCU CD Rate Boost Program Icon($100,000 and above)
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, any non-promotional Members Choice CDs come with a CD RATE BOOST2 option. On any new regular 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 1.74% 1.75%
7 Month Promotional CD 3.93% 4.00%
8 Month Promotional CD 3.69% 3.75%
12 Month Jumbo CD 2.96% 3.00%
14 Month Jumbo Promotional CD 3.45% 3.51%
18 Month Jumbo CD 2.72% 2.75%
24 Month Jumbo CD
 3.45% 3.51%
36 Month Jumbo CD
 2.96% 3.00%
48 Month Jumbo CD
 2.72% 2.75%
60 Month Jumbo CD 2.47% 2.50%
IRA Standard CDs are balances $500.00 – $99,999.99. IRA Jumbo CDs are balances $100,000 and greater. Rate for IRA Jumbo CDs are the same as IRA Standard CDs.4
 
Term Dividend Rates APY*
6 Month Standard IRA CD  1.84% 1.86%
12 Month Standard IRA CD  2.08% 2.10%
18 Month Standard IRA CD  2.82% 2.86%
24 Month Standard IRA CD  
 3.06% 3.10%
36 Month Standard IRA CD 
 3.06% 3.10%
48 Month Standard IRA CD 
 2.82% 2.86%
60 Month Standard IRA CD  2.57% 2.60%









Disclosures

*Annual Percentage Yield (APY) is accurate as of April 18, 2025. 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. View complete list of deposit disclosures and Fee Schedule.

2 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. Promotional Certificate of Deposits are not eligible for the Rate Boost Program. Other terms and conditions may apply.

  

3 No prior relationship requirement to apply for the Promotional Rate CD account. After you start the account, you may not make additional deposits to this Certificate Account. This offer is valid for a limited time only while quantities last. These Limited Time Promotional Rate CD's are not eligible for the CD Rate Boost Program.
For the 7-Month and 8-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 6-month or regular 6-month jumbo certificate, as applicable. For the 14-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month or regular 12-month jumbo certificate, as applicable.
 
4 IRA CDs are not eligible for the Limited Time Promotional Rate or the CD Rate Boost Program.
 
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.