Certificates

Saving for the short or long term has never made more sense when you look at MEFCU's Certificate options.  With terms ranging from three months to five years, savings and IRA certificates allow you to achieve a higher return rate than a regular savings account.  These accounts are available with a minimum opening deposit of $1,000 and dividends are compounded and credited quarterly.

Guaranteed returns, with low risk and no work for you!

Rates

Certificates104/20/2018
3 months Dividend Rate Annual Percentage Yield
$1,000 - $9,999.99 .30% .30%
$10,000 - $24,999.99 .35% .35%
$25,000 - $49,999.99 .40% .40%
$50,000 - $99,999.99 .40% .40%
$100,000 + .45% .45%
6 months    
$1,000 - $9,999.99 .40% .40%
$10,000 - $24,999.99 .45% .45%
$25,000 - $49,999.99 .50% .50%
$50,000 - $99,999.99 .50% .50%
$100,000 + .55% .55%
1 year    
$1,000 - $9,999.99 .60% .60%
$10,000 - $24,999.99 .65% .65%
$25,000 - $49,999.99 .70% .70%
$50,000 - $99,999.99 .70% .70%
$100,000 + .75% .75%
2 years    
$1,000 - $9,999.99 .75% .75%
$10,000 - $24,999.99 .80% .80%
$25,000 - $49,999.99 .85% .85%
$50,000 - $99,999.99 .85% .85%
$100,000 + .90% .90%
3 years    
$1,000 - $9,999.99 1.00% 1.00%
$10,000 - $24,999.99 1.05% 1.05%
$25,000 - $49,999.99 1.10% 1.10%
$50,000 - $99,999.99 1.10% 1.10%
$100,000 + 1.15% 1.15%
4 years    
$1,000 + 1.25% 1.26%
5 years    
$1,000 + 1.49% 1.50%
Youth Savings*    
$100 + 4.43% 4.50%
Teen Savings*    
$100 + 5.39% 5.50%
1Minimum opening balance is $1,000. A penalty may be imposed for early withdrawal. Rates are accurate as of specified date and are subject to change. *Youth Savings and Teen Savings Certificate minimum opening balance is $100. Additional deposits can be made up to $10,000 for the Youth Savings and $15,000 for the Teen Savings. The minimum additional deposit is $100. The Youth Savings matures on the childs 13th birthday. The Teen Savings matures on the teens 18th birthday. Any withdrawal prior to maturity will result in a penalty of all dividends earned.