Earn more money with higher dividend rates when you lock your money into a share certificate of deposit. Share certificates provide guaranteed earnings with no-risk. Many terms form 90 days to 5 years are available. Our Madison credit union share certificate minimum deposit starts as low as $250. Early withdrawal penalty applies.
Perfect account to start your savings! Deposits are allowed via direct deposit, automatic transfer and teller transaction. Minimum deposit is only $250 with 12 and 24 month terms.
You’ll feel better about locking in a rate with a Ratewatcher certificate because you can adjust your rate one time during the term. Minimum 36 month term and a minimum deposit of $5,000.
|Certificates||$500 - $2,499||$2,500 - $9,999||$10,000 - $24,999||$25,000+|
|12 Month||0.47% APY||0.47% APY||0.50% APY||0.57% APY|
|18 Month||0.57% APY||0.57% APY||0.60% APY||0.67% APY|
|24 Month||0.67% APY||0.67% APY||0.70% APY||0.77% APY|
|36 Month||0.97% APY||0.97% APY||1.00% APY||1.07% APY|
|48 Month||1.07% APY||1.07% APY||1.10% APY||1.18% APY|
|60 Month||1.72% APY||1.72% APY||1.75% APY||1.82% APY|
|Emergency Certificate||0.40% APY||0.40% APY||0.40% APY||0.40% APY|
|36 Month||0.77% APY|
|Deposit Plus Certificate
(IRA or Regular)
|$250 - $2,499||$2,500 - $9,999||$10,000 - $24,999||$25,000+|
|12 Month||0.42% APY||0.42% APY||0.45% APY||0.52% APY|
|24 Month||0.62% APY||0.62% APY||0.65% APY||0.72% APY|