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Certificates

Guarding your investment with insured certificates? It's what we do.

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At Members First, we're like tiny cash flow guardians - here to save the day! We're small enough to get to know you, which lets us make a big difference in your finances.

We offer a variety of insured investment options. In fact, unlike other financial institutions, your funds are insured up to $500,000 with us.


Term Share & IRA

Rates go up and down, but you can lock in a higher rate of return for 3 months to 5 years with one of our Term Share or IRA Certificates. Plan for a Share Certificate to mature around major events to be sure the funds are available when you need them. Or, reach your retirement goals faster with an IRA Certificate while benefiting from tax advantages.

Why a Term Share or IRA Certificate at Members First?

  • Minimum opening balance of $1,000
  • Locked in dividend rate and term
  • Flexible terms from 3 to 60 months
  • Our Term Share Certificate can be used as collateral for a Certificate Secured Loan
  • Your funds are insured up to $500,000

Structured Savings

Our Structured Savings Certificate gives you the flexibility to make additional deposits at any time throughout the 60-month term and the ability to bump up your rate one time during the term. So, if rates increase, so can the earnings on your Structured Savings Certificate. You can even make withdrawals penalty-free when the funds are used toward college tuition or the purchase of a home.

Why a Structured Savings Certificate at Members First?

  • Minimum opening balance of $500
  • Flexibility to make additional deposits
  • Ability to bump up your rate
  • 60-month term
  • Penalty-free withdrawals when used toward college tuition or home purchase
  • Your funds are insured up to $500,000

Junior Share

Just right for young savers, our Junior Share Certificate gives members under 18 a savings option with a set term while they learn the importance of investing and the magic of compound interest.

Why a Junior Share Certificate at Members First?

  • Minimum opening balance of $500
  • Earns higher dividends than our youth accounts
  • Available to members under age 18
  • 6-month term
  • Your funds are insured up to $500,000