The Rate You Deserve

Do you have some extra cash that you won’t need to use soon? A Share Certificate, often referred to as a CD, could be a great way to use your money and watch it grow. Instead of leaving it in a low-rate savings account, lock some away for a better interest rate!

These accounts offer great rates on longer terms. Our share certificates have some of the highest rates around PLUS:

  • Flexible terms, from 3 months to 5 years
  • 100% deposit insurance to protect your money
  • Minimum deposit of $500 to open
  • Dividends can be paid monthly into your savings account or retained in your share certificate

If you are looking to save more cash with a higher yield, we also have JUMBO share certificates!

How to Open a Share Certificate:

New Members: New Membership

Existing Members: Open an Account

*APY = Annual Percentage Yield. $500 minimum deposit to open and to earn stated dividend rate and receive Annual Percentage Yield. $50,000 minimum deposit to open and earn stated dividend rate and receive Annual Percentage Yield for a jumbo certificate. An early withdrawal penalty will apply if you close the Share Certificate prior to maturity. Fees or penalties may reduce earnings. Rates are subject to change at any time without notice. Deposits federally insured by the NCUA up to $250,000. Excess insurance provided by MSIC (deposits insured in full).

Share Certificate Rates

TypeAPYDividend Rate
3 Month3.04%3.00%
6 Month3.30%3.25%
12 Month3.51%3.45%
24 Month3.71%3.65%
36 Month3.71%3.65%
48 Month3.71%3.65%
60+ Month3.71%3.65%

Jumbo Certificate Rates

TypeAPYDividend Rate
24 Month (jumbo)3.81%3.75%
36 Month (jumbo)3.81%3.75%
48 Month (jumbo)3.81%3.75%
60+ Month (jumbo)3.81%3.75%

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