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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

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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

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.

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