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 - $9,999 | $10,000 - $49,999 | $50,000 - $99,999 | $100,000+ |
|---|---|---|---|---|
| 12 Month | 0.75% APY | 0.80% APY | 0.90% APY | 1.00% APY |
| 18 Month | 0.90% APY | 0.95% APY | 1.05% APY | 1.15% APY |
| 24 Month | 1.00% APY | 1.05% APY | 1.15% APY | 1.25% APY |
| 36 Month | 1.15% APY | 1.20% APY | 1.30% APY | 1.40% APY |
| 48 Month | 1.25% APY | 1.30% APY | 1.40% APY | 1.50% APY |
| 60 Month | 1.65% APY | 1.70% APY | 1.80% APY | 1.90% APY |
| Certificate Specials | $500+ | |||
| 15 month | 2.15% APY | |||
| 25 month | 2.55%APY | |||
| Deposit Plus Certificate (IRA or Regular) |
$250 - $2,499 | $2,500 - $9,999 | $10,000 - $49,999 | $50,000+ |
| 12 Month | 0.65% APY | 0.65% APY | 0.70% APY | 0.80% APY |
| 24 Month | 0.90% APY | 0.90% APY | 0.95% APY | 1.05% 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.
