Certificates of Deposit


A certificate of deposit (CD) provides members with the opportunity to lock-in a fixed rate of return for a specified length of time. With CDs, you are guaranteed a competitive interest rate for the full term of the CD.

MCU CDs offer low minimum opening balances starting at $1000 with terms ranging from 6 months to 60 months. Early withdrawal penalties apply.

Certificate of Deposit
Dividend Rate
Annual Percentage Yield
Minimum Opening Deposit
Share Certificate of Deposit (Including IRA Certificates)
6 Months Share Certificate
2.50%
2.52%
$1,000
9 Month Special*  (IRA Not Included)
4.00%
4.06%
$1,000
12 Month Share Certificate
3.50%
3.55%
$1,000
18 Month Share Certificate
3.50%
3.55%
$1,000

24 Month Share Certificate

3.00%

3.03%

$1,000
36 Month Share Certificate
2.29%
2.31%
$1,000
60 Month Share Certificate
2.65%
2.68%
$1,000
Jumbo Certificate of Deposit (Including IRA Certificates)
6 Month Jumbo Certificate
2.57%
2.59%
$50,000
12 Month Jumbo Certificate
3.57%
3.62%
$50,000
18 Month Jumbo Certificate
3.57%
3.62%
$50,000
24 Month Jumbo Certificate
3.07%
3.11%
$50,000
36 Month Jumbo Certificate
2.36%
2.38%
$50,000
60 Month Jumbo Certificate
2.72%
2.75%
$50,000

View all Rates

The first step to opening your CD is becoming a MCU member. Simply apply for a membership or visit one of our locations to apply for membership. If you're already a member, give us a call at 713.778.6300 to open your CD or come into any of our branches.

Rates are subject to change without notice. APY assumes dividends remain in the account until maturity. If you close any share account before dividends are paid, you will not receive the accrued dividends for that period. A penalty will be imposed for early withdrawal regarding certificates. Additional fees may or may not be applicable, however if they are applicable, they could reduce earnings on the account. Rates effective March 1, 2023. *Promotional rates subject to availability and may be canceled at any time without notice.