Certificate Accounts |
Effective Date: Thursday, November 30th, 2023 |
Term | Minimum Deposit to OPEN and to EARN APY | Interest Rate | APY* |
3 Month |
$1,000.00 |
0.10% |
0.10% |
3 Month Premium |
$50,000.00 |
0.15% |
0.15% |
6 Month |
$1,000.00 |
0.30% |
0.30% |
6 Month Premium |
$50,000.00 |
0.35% |
0.35% |
9 Month SPECIAL** |
$15,000.00 |
4.89% |
5.00% |
12 Month |
$500.00 |
4.41% |
4.50% |
12 Month Premium |
$50,000.00 |
4.41% |
4.50% |
18 Month |
$500.00 |
4.17% |
4.25% |
18 Month Premium |
$50,000.00 |
4.17% |
4.25% |
24 Month |
$500.00 |
1.98% |
2.00% |
24 Month Premium |
$50,000.00 |
2.08% |
2.10% |
36 Month |
$500.00 |
1.05% |
1.05% |
36 Month Premium |
$50,000.00 |
1.14% |
1.15% |
48 Month |
$500.00 |
0.85% |
0.85% |
48 Month Premium |
$50,000.00 |
0.95% |
0.95% |
60 Month |
$500.00 |
0.90% |
0.90% |
60 Month Premium |
$50,000.00 |
1.00% |
1.00% |
APY - Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. You will be subject to a penalty for early withdrawal. Fees may reduce earnings. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC. **SPECIAL OFFER: Annual Percentage Yield is subject to change without notice. 9 Month Certificate: New Money Only; For existing members to satisfy this requirement, funds can be transferred from an existing MVCU account if an additional $15,000 in external funds are added to the certificate. |