Our Pick Your Term certificate specials give you the freedom to choose the term that works best for you while locking in at a great rate!
Choose from 5, 7, 9 or 12-month terms—all at the same competitive rate of 4.00% APY* and 3.93% interest rate. No matter which term you pick, you'll earn our top rate.
*APY = Annual Percentage Yield. APY effective as of July 10, 2025. APY is subject to change without notice. The APY assumes that interest is left in your account to compound for one year. Account fees could reduce earnings. Penalty for early withdrawal. 5-month certificate not available as an IRA option. Accounts are insured by NCUA up to $250,000. Shares and Deposits in excess of NCUA limits are fully insured by MSIC.
The IRA account allows you to defer taxes until you start withdrawals during retirement!
Features:
The Retirement account that taxes you now! Pay the taxes on the contributions now, and enjoy tax-free withdrawals later.
The school version of an IRA. You may know it as the Coverdell Education Savings Account.
**Please consult a tax professional for more information or restrictions.
