Regular Certificate and Individual Retirement Account (IRA) Certificate Rates
IRAs and Certificates
| Product | Term | Dividend Rate | APY | Minimum Opening Balance | Minimum to Earn Dividend Rate |
|---|---|---|---|---|---|
| IRA Savings $100 and up | 0.15% | 0.15% | $0.00 | $100 | |
| IRA Accumulator Certificate | 180-364 days | 0.32% | 0.32% | $100 | $100 |
| Certificate | 3 months | 0.10% | 0.10% | $1,000 | $1,000 |
| Certificate | 5 months | 0.25% | 0.25% | $1,000 | $1,000 |
| Certificate | 11 months | 0.35% | 0.35% | $1,000 | $1,000 |
| Certificate | 24 months | 0.45% | 0.45% | $1,000 | $1,000 |
| Certificate | 36 months | 0.75% | 0.75% | $1,000 | $1,000 |
| Certificate | 48 months | 0.90% | 0.90% | $1,000 | $1,000 |
| Certificate | 60 months | 1.04% | 1.05% | $1,000 | $1,000 |
| Jumbo Certificate | 3 months | 0.10% | 0.10% | $50,000 | $50,000 |
| Jumbo Certificate | 5 months | 0.25% | 0.25% | $50,000 | $50,000 |
| Jumbo Certificate | 11 months | 0.35% | 0.35% | $50,000 | $50,000 |
| Jumbo Certificate | 24 months | 0.45% | 0.45% | $50,000 | $50,000 |
| Jumbo Certificate | 36 months | 0.75% | 0.75% | $50,000 | $50,000 |
| Jumbo Certificate | 48 months | 0.90% | 0.90% | $50,000 | $50,000 |
| Jumbo Certificate | 60 months | 1.04% | 1.05% | $50,000 | $50,000 |
| IRA Certificate | 3 months | 0.10% | 0.10% | $1,000 | $1,000 |
| IRA Certificate | 5 months | 0.30% | 0.30% | $1,000 | $1,000 |
| IRA Certificate | 11 months | 0.40% | 0.40% | $1,000 | $1,000 |
| IRA Certificate | 24 months | 0.65% | 0.65% | $1,000 | $1,000 |
| IRA Certificate | 36 months | 0.95% | 0.95% | $1,000 | $1,000 |
| IRA Certificate | 48 months | 1.04% | 1.05% | $1,000 | $1,000 |
| IRA Certificate | 60 months | 1.14% | 1.15% | $1,000 | $1,000 |
| Jumbo IRA Certificate | 3 months | 0.10% | 0.10% | $50,000 | $50,000 |
| Jumbo IRA Certificate | 5 months | 0.30% | 0.30% | $50,000 | $50,000 |
| Jumbo IRA Certificate | 11 months | 0.40% | 0.40% | $50,000 | $50,000 |
| Jumbo IRA Certificate | 24 months | 0.65% | 0.65% | $50,000 | $50,000 |
| Jumbo IRA Certificate | 36 months | 0.95% | 0.95% | $50,000 | $50,000 |
| Jumbo IRA Certificate | 48 months | 1.04% | 1.05% | $50,000 | $50,000 |
| Jumbo IRA Certificate | 60 months | 1.14% | 1.15% | $50,000 | $50,000 |
For information on how your accounts are insured, click here.
Dividends are credited and compounded monthly based on your average daily balance. A penalty may be imposed for withdrawals made before maturity. Accounts are federally insured by the National Credit Union Share Insurance Fund. Contact Member Services to open a certificate.
MCT Federal Credit Union
P.O.Box 1250 • Rockville, Maryland 20849-1250
Problems/Questions? Call us at 301-948-9880 or 1-800-497-6290