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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.
Start earning high dividends at fixed rates by opening a Share Certificate with a minimum deposit of just $1,000.
Jumbo Certificate
Serious savers can earn premium dividends at fixed rates by opening a Jumbo Certificate with a minimum deposit of $50,000.
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.
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.
