Share Certificates - MassMutual Federal Credit Union

4.18% APY? Yes, Please!**

Put Your Savings on Autopilot with a 9-month Share Certificate

Limited-time offer

Have some extra cash that you won’t need to use soon? Share Certificates are one of the best ways to stash your extra cash and watch it grow. Why leave it in a low-rate savings account, when you can lock some away and watch it multiply!

How to Open a Share Certificate:

New Members: New Membership

Existing Members: Open an Account

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!

*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).

**APY = Annual Percentage Yield. Promotional rate effective July 8, 2025. Rate is 4.18% APY, 4.10% dividend rate. $500 minimum deposit to open and to earn stated dividend rate. Promotional rate effective July 8, 2025. $500 minimum deposit to open and to earn stated dividend rate. At maturity, the 9-month Share Certificate will automatically rollover into a 6-month Share Certificate. Closing the Share Certificate prior to maturity will incur an early withdrawal penalty and may reduce earnings. HSA & IRA Share Certificates are not included in the promotion. Fees or penalties may reduce earnings. Limited time offer. Offer may be withdrawn at any time. Deposits federally insured by the NCUA up to $250,000. Excess insurance provided by MSIC (deposits insured in full).