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Savings, Money Markets and CDs

Let’s go, you goal-getter!

Are you saving up for big dreams like buying your first home, the kids starting college, or retiring in style? Or you’re planning a little splurge like a dream vacation, pet adoption, home redecorating, or some holiday gifts, we’re here to help you use your money as a tool to reach all those goals that make life awesome. No matter what life throws your way, we’ve got you covered with savings accounts that actually pay you!
 

Goals? We’ve got accounts for that.

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High-Yield Savings Account1

Pair with Members Choice Complete Checking® to earn up to 3.00% APY* on your savings just by doing your everyday banking.
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Certificate of Deposit (CDs)2

Hit your savings goals with high-yield, guaranteed rates. Terms from 6 months to 60 months.
The “High Five” CD Ladder offers the best of both worlds: It lets you earn up to 5.00% APY* and consistently access your funds as portions mature every five months.
CD Details
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Classic Money Market

You’ll have access to your money just like a traditional savings account, but you’ll be earning more, much faster. 
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Maximum Money Market™

This account offers a high-yield variable Annual Percentage Yield (APY) that performs with current prime rates so that you always receive our best dividend rate. 

Retirement Savings (IRAs) & IRA CDs

By saving into an IRA on top of your 401(k), you can grow your retirement savings more and make your future even better! Members Choice offers both Traditional IRA and Roth IRA options. 
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Savings Account

Just $5 gets you in and starts your membership with us—easy peasy! You’ll start saving right away.

Savings Accounts At-a-Glance



 High-Yield Savings Certificate of Deposit (CD) Classic Money Market Maximum Money Market IRA Savings Account
Minimum Balance $0 $500 $2000 $0 $100
Monthly Fees $0 $0 $0
(if minimum balance is met)		 $0 $0

Electronic Withdrawal Limits Unlimited
 No withdrawals during the term Unlimited
 Unlimited Withdrawals allowed any time (check with your tax advisor)
Special Features High-yield rates for balances under $50,000; easy access to cash Guaranteed returns with multiple term choices Competitive dividend rates; easy access to cash High-yield rates for balances over $50,000; easy access to cash Competitive dividend rates; includes IRA CD options

High-Yield Savings Details CD Details Classic Money Market Details Maximum Money Market Details IRA Savings Details

Benefits for every member

  • All the benefits of a Members Choice Credit Union membership
  • No monthly or quarterly service charges on active savings accounts
  • Unlimited deposits and withdrawals1
  • Competitive dividends paid monthly
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See What Our Members are Saying!

Always friendly and helpful. I use many of their services from Checking, Mortgage to safe deposit box. Mobile app is full of features.
-Rhett S.

See What Our Members are Saying!

I recently opened a new account with Members Choice and was very impressed with the service from start to finish. A lot of places that deliver service don't do A-Z very well. The staff greeted me with a smile also answered all of my questions: which gave me the assurance that I was making the right choice doing business with them. Also they have very good options with less fees then other credit unions.
-Zodiak F.

Disclosures

 

*Annual Percentage Yield (APY) is accurate as of August 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. To receive APY, terms and conditions apply.  View complete list of deposit disclosures and Fee Schedule.

 
1 High-Yield Savings Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must meet the qualifications on the related Complete Checking account in good standing on the same member account: receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .05% APY for that monthly cycle. High-Yield Savings accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. 
The High-Yield Savings Account is a tiered-rate variable account that requires an active, qualifying Members Choice Complete Checking® account each month to earn the disclosed dividend rates. No monthly service fees apply to this account. To open a High-Yield Savings account, a Main Savings account and a Complete Checking account must also be opened, if not already present. Limit one High-Yield Savings account per member. This account is not available for minors, student accounts, special accounts, or business accounts. Not eligible to be pledged as collateral or used for share-secured loans. This account can be linked for overdraft protection. View more High-Yield Savings disclosure details.
 
2 Certificates of Deposit (CDs): Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes dividends remains 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 $500 on Regular CDs, $100,000 on Jumbo CDs. Minimum to earn APY is $500 on Regular CDs and $100,000 on Jumbo CDs. Additional terms and conditions apply.View more CD disclosure details.
 
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.