Effective 1.28.25: 9 Month Share Certificate at a dividend rate of 4.10% and 4.18% APY*.

Effective 2.4.25: 11 Month Share Certificate at a dividend rate of 3.90% and 3.97% APY*.

Be sure to lock in these rates to passively multiply your invested income!

*APY = Annual Percentage Yield. Promotional rate for the 9 month certificate is effective January 28, 2025 and the promotional rate for the 11 month certificate is effective February 4, 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 and the 11-month Share Certificate will automatically rollover into a 12-month Share Certificate. HSA & IRA Share Certificates are not included in the promotion. Minimum opening balance to receive Annual Percentage Yield is $500. An early withdrawal penalty will apply if you close the Share Certificate prior to maturity. Fees or penalties may reduce earnings. Limited time offer. Offer may be withdrawn at any time and without warning. 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).

How to Open a Share Certificate:

New Members: New Membership

Existing Members: Open an Account

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

We also have JUMBO share certificates if you’re looking to save more cash!

Share Certificate Rates

TypeAPYDividend Rate
3 Month3.30%3.25%
6 Month3.56%3.50%
12 Month3.76%3.70%
18 Month3.87%3.80%
24 Month3.97%3.90%
36 Month3.97%3.90%
48 Month3.97%3.90%
60+ Month3.97%3.90%

Jumbo Certificate Rates

TypeAPYDividend Rate
24 Month (jumbo)4.08%4.00%
36 Month (jumbo)4.08%4.00%
48 Month (jumbo)4.08%4.00%
60+ Month (jumbo)4.08%4.00%

*Minimum opening balance to receive Annual Percentage Yield is $500 or $50,000 for a jumbo certificate. Offer may be withdrawn at any time and without warning. Fees and penalties may reduce earnings. Rates are subject to change at any time without notice. Early withdrawal penalties apply.

Pineapples