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Term Share and IRA Certificates

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

Open Account Get Rates

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. 

Limited Time Special
Amplify your earnings with 2.50% APY* on 11-Month Share and IRA Certificates. Open an account by November 30th and we'll make a donation on your behalf to Toys for Tots.*

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) includes a .50% bonus for having a MFCU checking account. Certificates without a MFCU checking account are eligible for a 2.00% APY. APY based on a term of 11 months, accurate as of 10/22/18 and subject to change. Minimum $1,000 required to open certificate and earn stated APY. Penalty may be incurred for early withdrawal. A donation of one toy per member (valued at $15) will be made to the Marine Corps Toys for Toys Program for 11-month certificates opened by 11/30/18. Membership required. Other rates and terms may be available.

Fending Off Fees

Fending Off Fees

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