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.
| Account Term | Annual Percentage Yield (APY) | Minimum Initial Deposit |
|---|---|---|
| 60-month | 2.60% | $500 † |
| 48-month | 2.60% | $500 † |
| 36-month | 3.15% | $500 † |
| 24-month | 3.15% | $500 † |
| 18-month | 3.15% | $500 † |
| 15-month** | 3.90% | $5,000 † |
| 12-month | 3.60% | $500 † |
| 9-month | 3.60% | $500 † |
| 8-month* | 3.80% | $500 † |
| 6-month | 3.60% | $500 † |
*Promotional Annual Percentage Yield (APY) of 3.80% effective as of 5/14/2026. 8-month CD rate is a limited time offer and available as Regular CD only. APY and promotion period are subject to change at any time without notice. A $500 minimum opening deposit is required to earn interest and to obtain the promotional APY. One CD per member with maximum deposit allowed of $250,000 / maximum allowed online through mecu.com is $100,000. CD opened online cannot be withdrawn within the first 30 days. At maturity, promotional term will renew to 12-month CD term unless action taken. A penalty will be imposed for early withdrawal before maturity. 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 3.90% effective as of 5/14/2026. 15-month CD rate is a limited time offer and available as Regular CD only. APY and promotion period are subject to change at any time without notice. A $5,000 minimum opening deposit of new money is required to earn interest and to obtain the promotional APY. One CD per member with maximum deposit allowed of $250,000 / maximum allowed online through mecu.com is $100,000. CD opened online cannot be withdrawn within the first 30 days. New money is defined as funds not currently on deposit at MECU. Transfers from existing MECU accounts are not be eligible for the promotional offer. At maturity, promotional term will renew to 18-month CD term unless action taken. A penalty will be imposed for early withdrawal before maturity. 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.
| Account Type | Annual Percentage Yield (APY) | Minimum Initial Deposit |
|---|---|---|
| 11-month | 3.40% | $5,000 |
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.
| Account Term | Annual Percentage Yield (APY) | Minimum Initial Deposit |
|---|---|---|
| 60-month | 2.60% | $500 † |
| 48-month | 2.60% | $500 † |
| 36-month | 2.20% | $500 † |
| 24-month | 2.20% | $500 † |
† 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
| Account Term | Annual Percentage Yield (APY) | Minimum Initial Deposit |
|---|---|---|
| 12 Month | 2.70% | $25 † |
| 24 Month | 2.20% | $25 † |
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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