Did You Know?
Due to a recent Federal Reserve change, merchants are no longer required to give customers a receipt for a transaction of $15 or less. ...
> More Tips
Certificates
Visit your local grocery store to purchase a box of cereal, chances are, you’ll be faced with over a hundred varieties, all to fit different tastes and desires.
Just like grocery stores, MCT understands that everyone has different needs when it comes to certificates. Whether you’re looking for a safe place to store your funds between investments, or want to know exactly what you will earn throughout the life of your account, certificates are a great place to stash your cash. We offer flexible terms ranging from five months to five years, with minimum deposits ranging from $100 to $50,000. Additionally, we help you get more with your money by compounding and paying out your dividends on a monthly basis.
MCT offers a variety of certificate options to meet our members’ diverse needs:
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 Retirement accounts Member rewards
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 Retirement accounts Member rewards
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 Retirement accounts Member rewards
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 Retirement accounts Member rewards
Security for 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
*There is a penalty for early withdrawal
