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Consumer Deposit Rates

Limited Time 7-Mo Promo CD

4.00% APY*

7 Month Promotional CD
Only $500 minimum to open6

Open Your CD Account Online,
by Phone, or at a Branch

NEW "High Five" CD Ladder

Up to 5.00% APY*

(5-10-15-20 Months)
Only $2,000 minimum to open6

Open Your CD Account by Phone,
or at a Branch
Amount Dividend Rates APY*
$5 to $99.99 .0% N/A
$100.00 and over .05% .05%

Apply online now to open your membership account.

Want to unlock our highest savings account rate and earn and more on your savings? This account’s got you. With High-Yield Savings, you can earn up to 3.00% APY when you pair it with a Members Choice Complete Checking® account and meet a few monthly basics. No monthly fees. Just solid savings.

 
Balance Tiers Dividend Rate1 APY*
$0.01 - $24,999.99 2.96% 3.00%

Earn high-yield dividends with your qualifying Members Choice Complete® Checking account.1
$25,000 - $49,999.99 1.49% 3.00% - 2.25%
$50,000 and higher 0.10% 2.25% - 1.18%
Balance Tiers Dividend Rate2 APY*
$0.01 - $1,999.99 4.00% 4.07%

Earn dividends with2
No minimum balance required.

No monthly maintenance fees.
$2,000 - $9,999.99 1.49% 4.07% - 2.02%
$10,000 - $14,999.99 0.75% 2.02% - 1.59%
$15,000 and higher 0.05% 1.59% - 0.28%
Type Dividend Rate APY*
Daily Checking N/A N/A
Opportunity Checking N/A
 N/A
Student Saver Checking3
 .25% .25%
Classic Checking (no longer offered)
 .05%
 .05%

High-Yield Variable Rate - Maximum Money Market™

FOR A LIMITED TIME, EARN 3.00% APY*
WITH A NEW ACCOUNT 6-MONTH PROMO RATE

Open your Maximum Money Market™ account today with $50,000 or more to get the New Account Promotional Rate on your entire balance for 6 months.10

Balance Tiers Guaranteed Dividend Rates Dividend Rate4 APY*
$0.01 - $49,999.99
0.10% 0.10%
$50,000 - $149,999.99
WSJP minus 7.00%
 0.50% 0.50%
$150,000 - $299,999.99
WSJP minus 6.75%
 0.75% 0.75%
$300,000 - $499,999.99
WSJP minus 6.50%
 1.00% 1.00%
$500,000 - $999,999.99
WSJP minus 5.50%
 2.00%  2.02%
$1,000,000 and higher
WSJP minus 4.50% 
 3.00% 3.04%
$50,000 and higher
LIMITED TIME 
6-Month New Account Promotional Rate8
 2.96% 3.00%


 

Fixed Rate - Classic Money Market

 
Balance Tiers Dividend Rate5 APY*
$2,000 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.10% 0.10%
$50,000 and higher 0.15 % 0.15%

Can’t decide between a short-term or long-term CD? No worries. Our "High Five" Certificate (CD) Ladder splits your deposit into four parts that mature every 5 months, so you earn great rates and keep some cash within reach.

Minimum $2,000 to open. Learn more about our CDs here.

Term Dividend Rates6 APY*
CD Ladder-5 Month  4.89% 5.00%
CD Ladder-10 Month  3.93% 4.00%
CD Ladder-15 Month 3.69% 3.75%
CD Ladder-20 Month 3.45% 3.51%

 

Learn more about the benefits of a CD Ladder Account

Standard Certificates of Deposit (CD)

($500.00 – $99,999.99) 
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. Learn more about our CDs here.

Term Dividend Rates7,8 APY*
6 Month CD 1.74% 1.75%
7 Month Promotional CD 3.93% 4.00%
12 Month CD 2.96% 3.00%
14 Month Promotional CD
 3.69% 3.75%
18 Month CD 3.69% 3.75%
24 Month CD 3.69% 3.75%
36 Month CD 3.69% 3.75%
48 Month CD 2.72% 2.75%
60 Month CD 2.47% 2.50%

 

Jumbo Certificates of Deposit (CD)

($100,000 and above) 
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. Jumbo CD Dividend Rates are currently the same as our Standard CD Dividend Rates. Learn more about our CDs here.
 
Term Dividend Rates7,8 APY*
6 Month Jumbo CD 1.74% 1.75%
7 Month Jumbo Promotional CD 3.93% 4.00%
12 Month Jumbo CD 2.96% 3.00%
14 Month Jumbo Promotional CD 3.69% 3.75%
18 Month Jumbo CD 3.69 % 3.75%
24 Month Jumbo CD
 3.69% 3.75%
36 Month Jumbo CD
 3.69% 3.75 %
48 Month Jumbo CD
 2.72% 2.75%
60 Month Jumbo CD 2.47% 2.50%

The HERO Savings Program provides law enforcement, first responders, military, educators and healthcare professionals with loan rate discounts and higher savings yields.**


Term Minimum Opening Balance/To Earn APY* Dividend Rates7,8 APY*
12 Month Hero CD     $500 3.93% 4.00%
12 Month Hero Jumbo CD    $100,000 3.93% 4.00%

Dividend Rate* APY*
.25% .25%
IRA Standard CDs are balances $500.00 – $99,999.99. IRA Jumbo CDs are balances $100,000 and greater. Rate for IRA Jumbo CDs are the same as IRA Standard CDs.
 
Term Dividend Rates9 APY*
6 Month Standard IRA CD  1.74% 1.75%
12 Month Standard IRA CD  2.96% 3.00%
18 Month Standard IRA CD  3.69% 0.00%
24 Month Standard IRA CD  
 3.69% 3.75%
36 Month Standard IRA CD 
 3.06% 3.10%
48 Month Standard IRA CD 
 2.72% 2.75%
60 Month Standard IRA CD  2.47% 2.50%

Checking Balance Requirements

None of our checking accounts have minimum amounts to open, nor minimum balance requirements.


Savings Balance Requirements


Balance Requirements
 Minimum to Open Minimum to Earn Dividends
Savings $5 $100 (except minor accounts)
High-Yield Savings $0 $0.01
Maximum Money Market™ $0 $0.01
Classic Money Market $2,000 $2,000
IRA $5 $5
Certificate (CD) Ladder $2,000 $2,000
Standard Certificate of Deposit $500 $500
Jumbo Certificate of Deposit $100,000 $100,000

Disclosures

 
 

*Annual Percentage Yield (APY) is accurate as of August 1, 2025. Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal, and after you start the account, you may not make additional deposits.  View complete list of deposit disclosures and Fee Schedule.


**Limited time offer. No other discounts will apply. Offer valid for individuals in the following eligible professions and are subject to verification: All staff of medical facilities—including administration and support staff, Active-Duty Law Enforcement Officers, Active-Duty Military and Military Veterans, Teaching Profession—Teachers and Administrative Staff. Applicants must select "I qualify as a HERO" in the online application process in order for applicable discounts and savings to apply. You must be a member or eligible for membership to qualify. Rates, terms and conditions are subject to change without notice. Members Choice Hero members can also qualify for the following loan benefits: 1.00% rate reduction on Personal Unsecured Signature Loans and 0.50% rate reduction on Vehicle Loans with a loan term of 37 months or higher.
 
1 High-Yield Savings Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must meet the qualifications on the related Complete Checking account in good standing on the same member account: receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .05% APY for that monthly cycle. High-Yield Savings accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. 
The High-Yield Savings Account is a tiered-rate variable account that requires an active, qualifying Members Choice Complete Checking® account each month to earn the disclosed dividend rates. No monthly service fees apply to this account. To open a High-Yield Savings account, a Main Savings account and a Complete Checking account must also be opened, if not already present. Limit one High-Yield Savings account per member. This account is not available for minors, student accounts, special accounts, or business accounts. Not eligible to be pledged as collateral or used for share-secured loans. This account can be linked for overdraft protection.

 

2 Complete Checking Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle.

Complete Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. Minimum opening balance is $0. Minimum to earn APY is $0.01.  

 

3 Student Saver Checking Dividend Rates: There are no requirements nor minimum balances to earn the stated APY for active Student Saver Checking accounts. Student Saver Checking is not eligible for Choice Pay. At age 18, account will be converted into a Complete Checking account.

  

4 Maximum Money Market™ Dividend Rates: The Dividend Rate and Annual Percentage Yield for the lowest balance tier can change as determined by the Board of Directors. The Dividend Rate, Annual Percentage Yield, and Margin, for the other balance tiers will be adjusted at the sole discretion of the Credit Union on the first of the month following a change to the index, Wall Street Journal Prime (WSJP). The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. Rate tiers, with the exception of the first tier, will have a floor rate of no less than 0.50% Annual Percentage Rate. Maximum MMAs, Classic MMAs, and Savings accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account.  WSJP 7.50% - Current WSJP effective as of December 20, 2024. Variable dividend rate is adjusted on the first day of each month following a change in the index.       

 

5 Classic Money Market Dividend Rates: The Fixed Dividend Rate and Annual Percentage Yield for the balance tier may change at any time without prior notice. Classic Money Market accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account. 

 

6 Certificate (CD) Ladder: Advertised rate is fixed for the initial terms of the Certificate of Deposit (CD) Ladder only. APY assumes dividends remain on deposit until maturity. After you start the account, you may not make additional deposits to a Certificate Account. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. Total amount of CD Ladder deposit will be equally divided among four CDs at varying terms:  5-month CD, 10-month CD, 15-month CD, and 20-month CD. Each CD operates independently with its own maturity date and dividend rate. Each CD within the Ladder may be redeemed separately and may incur penalties for withdrawals made before maturity based on its individual term. No prior relationship requirement to apply for a CD Ladder. Members Choice may discontinue or modify the CD Ladder product at any time without notice. To receive APY, terms and conditions apply. Minimum opening balance is $2,000. Click for full details on fees, rates, and renewal. 

  

7 Certificate of Deposit: Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes dividends remains on deposit until maturity. After you start the account, you may not make additional deposits to a Certificate Account. Fees may reduce earnings. On certificates of deposit, a penalty may be imposed for early withdrawal. Minimum opening balance is $500 on Regular CDs, $100,000 on Jumbo CDs. Minimum to earn APY is $500 on Regular CDs and $100,000 on Jumbo CDs. Additional terms and conditions apply. Click for full details on fees, rates, and renewal. 

 

8 Promotional Rate CD:  No prior relationship requirement to apply for the Promotional Rate CD account. This offer is valid for a limited time only while quantities last. These Limited Time Promotional Rate CD's are not eligible for the CD Rate Boost Program. For the 7-Month Promotional Certificate, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 6-month or regular 6-month jumbo certificate, as applicable. For the 14-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month or regular 12-month jumbo certificate, as applicable. Minimum opening balance is $500. 
 
9 IRA CDs: Not eligible for the Limited Time Promotional Rate or the CD Rate Boost Program.
10 To be eligible for the Maximum Money Market Promotional Rate, new money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening. “New Money” is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as “New Money.” At any time, we may waive the New Money requirement for the Promotional Maximum Money Market Account rate. If $50,000 New Money is not deposited within twelve (12) days of account opening, the standard rates and APYs for Maximum Money Market Account apply. APY will remain in effect for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. The Maximum Money Market is available to all of the following new and existing membership types – personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited.    

All savings products are covered by Deposit Insurance: Federally Insured by NCUA. Some limitations apply. Click here for more information on deposit insurance.

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.