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LIMITED TIME OFFER! Share Certificate Specials - CD Rates As High As 4.06% APY. Call 800/442-7792 for details.
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Share Certificates

Earn higher dividends when you commit to saving for a specific length of time.

When you commit to saving money for a specific period of time, you can earn higher dividend rates with a Share Certificate from MTC Federal Credit Union! Share Certificates are a smart way to grow your savings plan and they can be a great option if you’re helping a child or young adult save for their future.

Share Certificates dividends are compounded and credited quarterly.

For the latest deposit rates and specials subscribe to Deposits Today, a monthly deposit newsletter.

Specials

Quarterly Posted Dividend Certificates

Requires $10,000 new money deposited on or after November 15, 2022 from another financial institution unless the opening balance is less than $10,000. If the opening balance is less than $10,000, then 50% of the opening balance must be new money deposited on or after November 15, 2022 from another financial institution. Subject to penalty for early withdrawal. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time and without notice. Other restrictions may apply.
Term (Months) Compound Dividend Rate Annual Percentage Yield (APY)
7 4.00% 4.06%
11 4.00% 4.06%
15 4.00% 4.06%
26 4.00% 4.06%

You don’t need a lot of money or time to take advantage of our Share Certificates! With a low opening deposit requirement and terms as short as just a few months, we make it easy to get started.

  • Minimum opening deposit of $250
  • Terms from 3 to 60 months available

Current Rates

Share Certificates

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months) Compound Dividend Rate Annual Percentage Yield (APY)
3 1.20% 1.21%
6 1.65% 1.66%
12 2.15% 2.17%
18 2.25% 2.27%
24 2.30% 2.32%
30 2.35% 2.37%
36 2.45% 2.47%
48 2.70% 2.73%
60 2.85% 2.88%

Earn big rewards on big balances. A Share Plus Certificate guarantees you an even higher rate of return when you save a larger amount of money.

  • Minimum opening deposit of $10,000
  • Terms from 3 to 60 months available

Current Rates

Share Certificates Plus

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months) Compound Dividend Rate Annual Percentage Yield (APY)
3 1.35% 1.36%
6 1.80% 1.81%
12 2.30% 2.32%
18 2.40% 2.42%
24 2.45% 2.47%
30 2.50% 2.52%
36 2.60% 2.63%
48 2.85% 2.88%
60 3.00% 3.03%

If you have questions or are ready to open a Share Certificate, please contact us at 800-442-7792, use the Open an Account form, or visit a branch near you