mature couple smiling at each other in an outdoor setting

Certificate of Deposit (CDs)

Secured and guaranteed returns on your money

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 insured*

Are you ready to get more return on your money?


Open a CD at a Branch Near You

Make an appointment to open your CD in person.
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).


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.
**Annual Percentage Yield

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.