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: 3.10.24
Account Term Annual Percentage Yield (APY) Minimum Initial Deposit
60-month 3.15% $500 †
60-month IRA or Roth IRA* 4.05% $500†
48-month 3.15% $500 †
36-month 3.25% $500 †
24-month 3.40% $500 †
18-month 3.50% $500 †
12-month 4.00% $500 †
9-month 4.50% $500 †
8-month** 5.15% $5,000 †
6-month 4.75% $500 †
Disclosures

*60M Traditional IRA and Roth IRA CD can be opened at any branch location; Not available to open online. Please consult your tax advisor before investing.

**Promotional Annual Percentage Yield (APY) of 5.15% effective as of June 22, 2023. 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 $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. ($10,000 maximum for CDs opened online through backofdental.com.) New money is defined as money that has not been on deposit at MECU during the past 90 days. Transfers from existing MECU accounts will not be eligible for the promotional offer. At maturity, promotional CD term will renew to 9-month CD term.  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.

SuperFlex CD *
Rates as of: 3.10.24
Account Type Annual Percentage Yield (APY) Minimum Initial Deposit
11-month 3.75% $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: 3.10.24
Account Term Annual Percentage Yield (APY) Minimum Initial Deposit
60-month 2.90% $500 †
48-month 2.80% $500 †
36-month 2.75% $500 †
24-month 2.50% $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