Share Certificates
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 from 1 to 5 years are available. Our Madison credit union share certificate minimum deposit starts as low as $250.* Early withdrawal penalty applies.
*Minimum deposit is the minimum balance to earn dividends and does not include the required $5 membership share savings account. Dividends are compounded and paid quarterly.
Certificate Rates
| Certificates | $500 - $9,999 | $10,000 - $49,999 | $50,000 - $99,999 | $100,000+ |
|---|---|---|---|---|
| 12 Month | 0.40% APY | 0.45% APY | 0.50% APY | 0.55% APY |
| 18 Month | 0.45% APY | 0.50% APY | 0.55% APY | 0.60% APY |
| 24 Month | 0.50% APY | 0.55% APY | 0.60% APY | 0.65% APY |
| 36 Month | 0.55% APY | 0.60% APY | 0.65% APY | 0.70% APY |
| 48 Month | 0.60% APY | 0.65% APY | 0.70% APY | 0.75% APY |
| 60 Month | 0.65% APY | 0.70% APY | 0.75% APY | 0.80% APY |
| Deposit Plus Certificate (IRA or Regular) |
$250 - $2,499 | $2,500 - $9,999 | $10,000 - $49,999 | $50,000+ |
| 12 Month | 0.15% APY | 0.20% APY | 0.25% APY | 0.30% APY |
| 24 Month | 0.25% APY | 0.30% APY | 0.35% APY | 0.40% APY |
Deposit Plus
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.
*Minimum deposit is the minimum balance to earn dividends and does not include the required $5 membership share savings account. Dividends are compounded and paid quarterly.
