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Checking & Savings > Certificates 

Certificates

MCT offers several types of certificates with flexible terms ranging from five months to five years.  For your peace of mind, all MCT accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government. Your Individual Retirement Accounts (IRAs) are insured separately up to an additional $250,000.
 

Share Certificate

Start earning high dividends at fixed rates by opening a Share Certificate with a minimum deposit of just $1,000.


Rates     Open a certificate              

 


Jumbo Certificate

Serious savers can earn premium dividends at fixed rates by opening a Jumbo Certificate with a minimum deposit of $50,000.


Rates     Open a certificate              

 


Accumulator Certificate

New to certificates? Start saving regularly with our Accumulator Certificate, which requires monthly deposits of at least $25. As your balance grows, move your funds to higher yielding accounts and earn even more. Open your account with a minimum of $100 and select terms ranging from 180 to 364 days.


Rates       Open a certificate              

 


IRA Certificate

Dream of retiring to a warmer climate to perfect your golf swing? We offer our Share Certificate, Jumbo certificate, and Accumulator Certificate as IRA savings options to help make comfortable retirement a reality. For more liquid IRA savings options, we offer an IRA Savings Account as well.


Rates     Open a certificate     Choosing the right IRA       


              
*There is a penalty for early withdrawals from certificates.


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