Saving that gets better with time

Whether you're saving up for a big purchase, planning for a future milestone, or simply looking for a way to grow your savings, Certificates of Deposit (CDs) offer a reliable and flexible way to do so. With guaranteed returns and a variety of term options to choose from, a CD can help you achieve your financial goals.


Deposit Money Icon

Open a certificate with a deposit of $1,000

Guaranteed Returns Icon

Guaranteed rate for entire term

Money Calendar Icon

Choose from short or long term options

Funds are Insured Icon

Insured up to $250,000 by NCUA


Advantages of a Certificate of Deposit (CD):

  Guaranteed Returns. Rates are locked in for the length of the term, which means you know exactly how much interest you will earn.

  Flexible. From 6 months to several years, choose the term that fits your needs.

  Versatile. Use a certificate of deposit to save for a home project, vacation, college tuition, or another financial goal.

  Higher Interest Rates. Most CDs earn higher interest rates than regular savings accounts.

  Insured. CDs are insured up to $250,000 by the National Credit Union Association (NCUA).


Open a Certificate of Deposit

Start growing your savings today. Schedule an in-branch appointment or give us a call at 855.835.6328.

Schedule Appointment

Your savings deserve a raise

60-Month Raise Your Rate CD*

The rate you start with doesn’t have to be the rate you end with. Open a 60-Month Raise Your Rate CD and you can choose to increase your rate one time during the 60-month term to take advantage of rising interest rates.

  • $1,000 minimum opening deposit
  • No fee to raise your interest rate
  • Even if rates drop, your money will continue to earn the higher interest rate
  • Maturity date remains the same regardless of when the raise is implemented

Open a Raise Your Rate CD. Schedule an appointment or give us a call at 855.835.6328.

Ready to raise your rate? Contact us or visit your local branch.


Certificates of Deposit and IRA Certificates of Deposit
Effective Date: Wednesday, October 4th, 2023
Please contact us or stop into a branch to verify the current rate.
TermsInterest RateAnnual Percentage YieldMinimum Opening Deposit
6 Months 5.13% 5.25% $1,000.00
44 Weeks 5.23% 5.25% $1,000.00
12 Months 5.13% 5.25% $1,000.00
15 Months 4.89% 5.00% $1,000.00
24 Months 3.50% 3.56% $1,000.00
27 Months 4.01% 4.08% $1,000.00
36 Months 3.25% 3.30% $1,000.00
48 Months 3.25% 3.30% $1,000.00
60 Months - Raise Your Rate* 3.50% 3.56% $1,000.00

For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a MFCU Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.

*Interest Rate and APY may be increased once during the term of the CD, if our rates increase during that time, and will be increased to the rate for a 60-month CD as of the date of the request. The rate increases will be effective as of the date of the request.


Calculate Your Certificate of Deposit (CD) Value

Use this Certificate of Deposit Calculator to help determine the potential interest growth and tax liability on your Certificate of Deposit.

CD Information


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