21-Month Certificate of Deposit

Celebrate 90 Years at 4.00% APY*

21-Month CD term at 4.00% APY*

Open a Regular CD online with a minimum of $5,000 in new money*

Earnings higher than average saving accounts

Invest a minimum of $5,000 in new money in MECU's 21-month promotional CD at 4.00% APY* today to build a stronger future for your savings. 

New to MECU?

Open your membership and CD right here. 

Already a MECU member?
Follow the steps below to open your CD:
  1. Log in to Online Banking
  2. Navigate to "Apply for a Loan or Account"
  3. Select "Open an Account"
  4. Click "Secondary Account"
  5. Choose the savings account(s) you want to open and complete your application.

Our story grows stronger when you invest in yours.

*Promotional Annual Percentage Yield (APY) of 4.00% effective as of September 24, 2026. 21-month CD rate is a limited time offer and available as a 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 CD opened online cannot be withdrawn within the first 30 days.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 eligible for the promotional offer. At maturity, promotional term will renew to a 24-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. 

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