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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

Quarterly Posted Dividend Certificates
Term
(Months)
Compound Dividend RateAnnual Percentage Yield (APY)
30.25%0.25%
60.40%0.40%
120.50%0.50%
180.60%0.60%
240.70%0.70%
300.80%0.80%
360.90%0.90%
480.95%0.95%
601.05%1.05%
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.

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

Quarterly Posted Dividend Certificates
Term
(Months)
Compound Dividend RateAnnual Percentage Yield (APY)
30.40%0.40%
60.55%0.55%
120.65%0.65%
180.75%0.75%
240.85%0.85%
300.95%0.95%
361.05%1.05%
481.10%1.10%
601.20%1.21%
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.

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.

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