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.
*Dividends are compounded and paid quarterly.
Certificate Rates
| Certificates | $500 - $2,499 | $2,500 - $9,999 | $10,000 - $24,999 | $25,000+ |
|---|---|---|---|---|
| 12 Month | 0.70% APY | 0.70% APY | 0.75% APY | 0.80% APY |
| 18 Month | 0.75% APY | 0.75% APY | 0.80% APY | 0.85% APY |
| 24 Month | 0.85% APY | 0.85% APY | 0.90% APY | 0.95% APY |
| 36 Month | 1.20% APY | 1.20% APY | 1.25% APY | 1.30% APY |
| 48 Month | 1.26% APY | 1.26% APY | 1.31% APY | 1.36% APY |
| 60 Month | 2.55% APY | 2.55% APY | 2.60% APY | 2.65% APY |
| Ratewatcher Certificate | ||||
| 36 Month | 0.90% APY | |||
| Deposit Plus Certificate (IRA or Regular) |
$250 - $2,499 | $2,500 - $9,999 | $10,000 - $24,999 | $25,000+ |
| 12 Month | 0.65% APY | 0.65% APY | 0.70% APY | 0.75% APY |
| 24 Month | 0.80% APY | 0.80% APY | 0.85% APY | 0.90% 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.
*Dividends are compounded and paid quarterly.
Ratewatcher
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.
*Dividends are compounded and paid quarterly.
