Get more for your money with our leading CD rates.

Certificates of Deposit (CDs) are not a one-size-fits-all savings option. You can choose from investments of various lengths, ranging from six months to five years. Although all of MECU's CDs offer exceptional returns, you can often get a higher rate if you invest for a longer period.

Regular CD (Certificates of Deposit Fixed, IRA or Roth IRA) Rates
Rates as of: 10.6.22
Account Term Annual Percentage Yield (APY) Minimum Initial Deposit
60-month 3.00% $500 †
48-month 3.00% $500 †
36-month* 3.55% $500 †
24-month 2.35% $500 †
18-month** 3.00% $500 †
12-month 1.70% $500 †
9-month 1.50% $500 †
6-month 1.20% $500 †
Disclosures

 
*Promotional Annual Percentage Yield (APY) of 3.55% effective as of 10/5/22. 36-month CD is a limited-time offer, available as Regular, Traditional, or Roth IRA CD and is only available for funds not currently on deposit with MECU (new money).  A $500 minimum opening deposit of new money is required to earn interest and to obtain the promotional APY. Maximum deposit allowed is $250,000 per member. New money is defined as money that has not been on deposit at MECU during the past 90 days. Transfers from existing checking, savings, and money market MECU accounts will not be eligible for the promotional offer. One CD per member. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. MECU membership eligibility required. Certain restrictions may apply.  Subject to change without notice. Federally Insured by NCUA.

**Promotional Annual Percentage Yield (APY) of 3.00% effective as of 10/5/22. 18-month CD is a limited-time offer, available as Regular, Traditional, or Roth IRA CD and is only available for funds not currently on deposit with MECU (new money).  A $500 minimum opening deposit of new money is required to earn interest and to obtain the promotional APY. Maximum deposit allowed is $250,000 per member. New money is defined as money that has not been on deposit at MECU during the past 90 days. Transfers from existing checking, savings, and money market MECU accounts will not be eligible for the promotional offer. One CD per member. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. MECU membership eligibility required. Certain restrictions may apply.  Subject to change without notice. Federally Insured by NCUA.
 

† Minimum balance in order to earn stated APY

Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.

SuperFlex CD *
Rates as of: 10.6.22
Account Type Annual Percentage Yield (APY) Minimum Initial Deposit
11-month 2.00% $5,000
Disclosures

Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.
 
* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. Only one withdrawal without paying a penalty will be permitted with the SuperFlex CD; the balance remaining must be at least $1,000.
 
† Minimum balance to earn interest on SuperFlex CD is $1,000.

Bump-Up CD (Certificates of Deposit Regular or IRA) Rates
Rates as of: 10.6.22
Account Term Annual Percentage Yield (APY) Minimum Initial Deposit
60-month 2.35% $500 †
48-month 2.30% $500 †
36-month 2.25% $500 †
24-month 2.00% $500 †
Disclosures
Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.
 
† Minimum balance in order to earn stated APY.
 
*   Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.
 
** Excludes Roth IRA
 
Auto-Build CD (Certificate of Deposit Fixed or IRA) Rates
Rates as of: 10.6.22
Account Term Annual Percentage Yield (APY) Minimum Initial Deposit
12 Months
$25 to $499.99 1.30% $25 †
$500.00 to $4,999.99 1.35% $25 †
$5,000.00 or more 1.40% $25 †
24 Months
$25 to $4,99.99 1.60% $25 †
$500.00 to $4,999.99 1.65% $25 †
$5,000.00 or more 1.70% $25 †
Disclosures

Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.
 
† Minimum balance in order to earn stated APY.
 
* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.   
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