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Shape up your savings with a certificate rate that gives your money steady gains—without breaking a sweat.
We offer standard certificates with tiered rates and flexible term options. You can choose a term between three months and five years. The more you contribute and the longer we hold your deposit, the more your finances will grow!
For a limited time, you can earn 3.90% Annual Percentage Yield¹ on an 11-month certificate.
Rates
$500.00 - $9,999.99 | $50,000.00 - $999,999.99 |
3.90% APY | 3.90% APY |
$10,000.00 - $49,999.99 | $1,000,000.00 or more |
3.90% APY | 3.90% APY |
Rates are subject to change.
In addition, we offer our members creative financial solutions like:
Don't miss out on better rates after you've opened your certificate. Our bump-up certificate gives you the one-time option to match the current rate at any time during you certificate's term. Enjoy peace of mind knowing that you can make the most of your savings by obtaining a higher rate of return. Bump-up certificates are available for 48 months, 24 months, or 12 months with a $500 minimum deposit.
Like the idea of better rates, but worried about early withdrawal penalties? This could be the perfect option for you. Take money out whenever you need with zero penalties or fees. Our nine-month penalty-free certificate is available with a $5,000 minimum deposit.
All share certificate options come with great features and benefits including:
Financial security: Keep your savings in a safe place so your money can grow and grow.
Convenient online and mobile banking: Access your funds and financial planning tools any time and anywhere through our digital banking.
Empowering consultation services: Gain insights from real, local Members 1st associates through our MyConcierge™ service.
Loyalty rewards: We thank our members with tier-based loyalty rewards you can earn over time.
A share certificate is similar to a certificate of deposit in almost every way. In both cases, you make a deposit and agree to leave the money in the account for a fixed period of time—most often between three months and seven years. Both share certificates and a certificate of deposit offer higher dividends than options like traditional savings accounts. The difference between share certificates and a certificate of deposit lies in where your deposit goes, who insures it and who sets the interest rate.²
¹APY = Annual Percentage Yield.
²Per the National Credit Union Administration (NCUA), the standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.
How do I open an account?
To open a regular savings account, simply make a $5 deposit. After that, you're good to open any other type of account.
What is the minimum opening deposit and balance required for a certificate?
We require a $500 minimum opening deposit and balance to earn any advertised Annual Percentage Yield (APY).
What are the dividend rates on savings accounts from Members 1st?
You earn money on the money you have on deposit with us based on your account balance, annual percentage yield and dividend rates (also known at other financial institutions as interest) and how long you keep your money on deposit. Dividend rates are subject to change with the market. View our current rates here.
How often can I make withdrawals or transfers from my savings account?
You can make as many withdrawals or transfers from your savings account as you want.
Opening a share certificate with Members 1st will grow your savings and keep it secure. Here's how you can get started:
