Rates so good you’ll check off every money goal on your list.
NEW "High Five" CD Ladder |
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Up to 5.00% APY*(5-10-15-20 Months)
Only $2,000 minimum to open5
Open Your CD Account by Phone,
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Limited Time 7-Mo Promo CD |
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3.90% APY*7 Month Promotional CD
Only $500 minimum to open3
Open Your CD Account Online,
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Special Longer Term CD Rates |
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3.75% APY*14-Month or 18-Month CD
Only $500 minimum to open
Open Your CD Account Online,
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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!
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.2
Here's why you'll like a CD from Members Choice.
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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).
Standard Certificates of Deposit (CD) Rates
($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.
Jumbo Certificates of Deposit (CD) Rates
($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.
Individual Retirement Account (IRA) Certificates of Deposit Rates
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
“High Five” CD Ladder (5-10-15-20 Months)
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. Learn more about our CDs here.
Disclosures
*Annual Percentage Yield (APY) is accurate as of October 1, 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. We reserve the right to discontinue this product at any time without notice. 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 Certificate Secured Loan and Promotional Certificates do not qualify. Other terms and conditions may apply.
3 Promotional Rate CD: No prior relationship requirement to apply for the Promotional Rate CD 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 Promotional Certificate, 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. Minimum opening balance is $500.
4 IRA CDs are not eligible for the Limited Time Promotional Rate or the CD Rate Boost Program.
5 Certificate (CD) Ladder: 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. 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. 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. To receive APY, terms and conditions apply. Minimum opening balance is $2,000. Click for full details on fees, rates, and renewal.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.