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.
For both types of Share Certificates, dividends are compounded and credited quarterly.
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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
| Term (Months) | Compound Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 3 | 0.20% | 0.20% |
| 6 | 0.30% | 0.30% |
| 12 | 0.40% | 0.40% |
| 18 | 0.50% | 0.50% |
| 24 | 0.55% | 0.55% |
| 30 | 0.60% | 0.60% |
| 36 | 0.75% | 0.75% |
| 48 | 0.85% | 0.85% |
| 60 | 0.95% | 0.95% |
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
| Term (Months) | Compound Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 3 | 0.35% | 0.35% |
| 6 | 0.45% | 0.45% |
| 12 | 0.55% | 0.55% |
| 18 | 0.65% | 0.65% |
| 24 | 0.70% | 0.70% |
| 30 | 0.75% | 0.75% |
| 36 | 0.90% | 0.90% |
| 48 | 1.00% | 1.00% |
| 60 | 1.10% | 1.10% |
To open a Share Certificate with MTC Federal Credit Union, you must be a credit union member. Learn more. 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