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Certificates of Deposit (CDs)

Competitive rates for a secure and guaranteed return on your money

Limited Time Promotional CD

5.25% APY*

9 Month Standard Promotional CD or 14 Month Standard Promotional CD

  • 9-Month or 14-Month options to fit your saving needs.3
  • Only $500 minimum to open.


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

12 Month CD with Rate Boost

2.25% APY*

12 Month CD 

  • Eligible for CD Rate Boost!2
  • Only $500 minimum to open.


 

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

Helping Heroes 12 Month CD

3.38% APY*

12 Month Hero Jumbo CD    

  • Get an additional 1.00% on current 12 Month CD rates4
  • Exclusively for Community Heroes


 

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

MCCU CD Rate Boost Program Icon

Stay flexible with your savings to secure your future earnings.

For a limited time, our Members Choice Standard and Jumbo CDs come with a CD RATE BOOST option.
 
On any new Standard or 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. Promo Rate CDs not eligible.***

Have funds that you want to put aside for a guaranteed rate of return on your money? Whether you’re saving up for college funds or want to go on that dream vacation in the future, Certificates of Deposit, also known as CDs, can help you save at a higher interest rate until you need access to it again. Your money will be working for you while you’re waiting to use it.

  • Only a $500 minimum deposit to open — an easy threshold option for savings
  • A wide variety of terms — from 6 Months to 60 Months
  • Competitive CD rates; based on terms
  • Jumbo CD rates for deposits of $50,000 and more
  • IRA CDs Available
  • All Members Choice CDs are federally insured1

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 the “Quick Apply” widget in the main navigation 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 – $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 BOOST option.2 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.

Term Dividend Rates APY*
6 Month CD 1.98% 2.00%
12 Month CD  2.23% 2.25%
18 Month CD 2.96% 3.00%
24 Month CD  3.44% 3.49%
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($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 BOOST option.2 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 2.08% 2.10%
12 Month Jumbo CD  2.33% 2.36%
18 Month Jumbo CD  3.06% 3.10%
24 Month Jumbo CD
 3.54% 3.60%
36 Month Jumbo CD
 3.06% 3.10%
48 Month Jumbo CD
 2.82% 2.86%
60 Month Jumbo CD  2.57% 2.60%









Disclosures

*Annual Percentage Yield
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 more CD disclosure details.

2 Rate Boost Program only applies to new certificate of deposits opened on or after September 12, 2022. 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.
3 Promotional Certificate of Deposits are not eligible for the Rate Boost Program.
4 Limited time savings offer. Cannot be combined with any other offers. Applicable to new Savings Accounts and Certificate of Deposits only. 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.
 
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.