<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=827015880826282&amp;ev=PageView&amp;noscript=1">

COVID-19 UPDATE: MSCU's Danbury and Norwalk branch lobbies are temporarily closed, but their drive-thrus remain open. Our Shelton, Stratford and Watertown branch continue to operate by appointment only, please call us at (800) 761-2400. Members can access and manage all their accounts 24/7 by signing into Digital Banking or by downloading the MSCU Mobile app.


Share Certificate of Deposit

Select the term and rate that’s best suited for your personal savings goal.

Open a Certificate of Deposit
3 - 60

3 - 60

Month Terms



Minimum Opening Deposit

Happy, young couple reviewing paperwork and using laptop

Start Earning More With Your Money

When you open a share certificate of deposit, you select the maturity date that works best for you. You can even open multiple share certificates with varying terms and rates to ensure you have access to your money when you need it most. Minimum deposits vary. Visit our current rates page for the most current terms and offers. 

Open a Certificate of Deposit

Mutual Security Credit Union Featured share certificate of deposit featured rates

Current Featured Rates

Watch Your Savings Grow! 

13 Month CD/IRA @ 0.80% APY

Invest $2,500 or more to watch your savings pile up. Stop in to any of our branch locations to talk to a Mutual Security Representative today about which Share Certificate of Deposit option will work best for you.

Open a Certificate of Deposit

You may not add any additional money to your Certificate after opening. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalties apply if the Certificate is closed before the maturity date unless the Certificate funds are moved to Mutual Security Investment and Retirement Services. Dividend withdrawals are not eligible on IRA Certificates if owner is under age 59 1/2 or Coverdell ESA Certificates. Any penalties, monthly withdrawals or transfers reduce earnings.

Please see our Truth-In-Savings Disclosure for full details and our Rates Page for the most current rates.

*APY = Annual Percentage Yield | APR = Annual Percentage Rate
F = Fixed Rate | V = Variable Rate

LTV = Loan-to-Value

Loan rates disclosed are the lowest rates available and are based on borrower(s) being a member of MSCU. Your actual rate may vary and can be higher based on creditworthiness. Auto, Home Equity, Mortgage Accelerator and Personal (secured and unsecured) Loan rates include a 0.25% discount for direct debit from a MSCU Checking Account.

All rates and terms are subject to change without notice. Other restrictions may apply.

Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.

We are here to help you.

Working together to find solutions to your banking needs

Open an Account