Certificates
Your Future, Growing Today
Share Certificates: Your Money, Working for You!
A Share Certificate is one of the most widely held and accepted investments today. It is a flexible, safe investment that pays a high market dividend rate. Opening a Share Certificate is absolutely free and all the dividends your Share Certificate earns are compounded quarterly! See the dividend rates in the tables below.
Features:
- Minimum opening deposit of $500.
- Terms available from 6 to 60 months
- Dividend rate is fixed for the term of the certificate
- Annual Percentage Yield (APY) is based on the dividends remaining on the deposit until maturity is reached
- Dividends are compounded and posted quarterly
- Funds are insured by the NCUA
- A joint owner may be added. The joint owner is subject to the same terms and agreements as the primary owner
MC Federal pays out higher dividends on Certificates for Special Relationships!
See which Special Relationship you may qualify for:
Members Advantage
To Qualify:
- Primary Member aged 60+
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
- 2 FREE boxes of checks each year
- FREE Cashiers Checks & Money Orders
Loyalty
To Qualify:
- Primary Member has a Checking Account with debit card & direct deposit
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
Premium
To Qualify:
- Primary Member has $50,000+ in existing deposits with MC Federal
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
Certificate Rates
| Regular Share Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 12 Months | 3.75% | 3.70% | 3.85% | 3.80% |
| 15 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 18 months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 36 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 48 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| 60 Months | 2.50% | 2.48% | 2.60% | 2.58% |
| *APY = Annual Percentage Yield. Minimum Opening Balance = $500. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
| Jumbo Share Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $50,000 and Over | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 12 Months | 3.85% | 3.80% | 3.95% | 3.90% |
| 15 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 36 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 48 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| 60 Months | 2.60% | 2.58% | 2.70% | 2.68% |
| *APY = Annual Percentage Yield. Minimum Opening Balance = $50,000. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
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