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Term Share and IRA Certificates

A higher rate of return for as long as you choose.

Interest 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. Choose which Certificate works best for you and your financial goals.


The perks of opening a Term Share or IRA Certificate with Members First

  • Minimum deposit of $1,000
  • Locked in interest rate and term - this won't change until the Certificate matures
  • Flexible terms from 3 to 60 months
  • Your funds are insured up to $500,000
And with Share Certificates, you can use your certificate as collateral for a Certificate Secured Loan.



*Annual Percentage Yield (APY) based on a term of 20 months, accurate as of 2/5/18 and subject to change. Minimum $1,000 required to open and earn stated APY. Penalty may be incurred for early withdrawal. Membership required.
Shared Branching

Shared Branching

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Why Join Members First?

Why Join Members First?

We're small enough to make a big difference... and big enough to be your first choice in banking.JOIN NOW