Plan for the future, with MSGCU's help

Save for college. Save for retirement. Save for a splurge. Best of all, save risk-free. Our high-interest CDs and IRAs come with guaranteed returns. That means the money you invest — and more — will definitely be there when you need it.

CDs


These high-yield CDs are a smart, safe investment offering steady growth for your deposits.

Minimum deposit: $500

Term: Six months through five years

Deposit limits: One initial deposit

Learn more Open an account

Grow-With-Me CD


Start with a modest deposit and continuously add funds to grow your account quicker.

Minimum deposit: $250

Term: Six months through five years

Deposit limits: Unlimited deposits allowed

Learn more Open an account

IRA CD


This account diversifies your investment portfolio with a combination of guaranteed returns and tax benefits.

Minimum deposit: $500

Term: Six months through five years

Deposit limits: One initial deposit

Learn more Visit a branch to open

IRA


Open one or more of these high-yield accounts and benefit from various tax advantages.

Minimum deposit: None

Term: No preset term options

Deposit limits: Unlimited deposits up to annual contributions limits

Learn more Visit a branch to open

intentionally empty table head Minimum Deposit Term Deposit Limits

CDs

These high-yield CDs are a smart, safe investment offering steady growth for your deposits.
 
$500 Six months through five years One initial deposit

Grow-With-Me CD

Start with a modest deposit and continuously add funds to grow your account quicker.
 
$250 Six months through five years Unlimited deposits allowed

IRA CD

This account diversifies your investment portfolio with a combination of guaranteed returns and tax benefits.
 
$500 Six months through five years One initial deposit

IRA

Open one or more of these high-yield accounts and benefit from various tax advantages.
 
None No preset term options Unlimited deposits up to annual contribution limits
 

Enjoy these perks

 

icon: stopwatch showing 5 minutes Interested in learning more? Check out this 5-minute lesson.

 

Certificate of Deposit (Regular and IRA CDs)
TermAPY*Interest Rate
Standard
6 Months 2.500% 2.477%
12 Months 3.000% 2.967%
2 Years 3.250% 3.211%
3 Years 3.500% 3.455%
4 Years 3.500% 3.455%
5 Years 3.750% 3.699%
Promotional
9 Months 5.150% 5.054%
23 Months 4.900% 4.813%

*APY = Annual Percentage Yield. $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity.

New Money Promotional
11 Months 5.400% 5.294%

*APY = Annual Percentage Yield. Minimum balance to open the CD account and earn the advertised APY is $500 in new money. The 11-month promotional CD is offered as of 9/6/2023 for new money only (funds that are not currently on deposit at MSGCU). Funds will be considered new if: the funds came to MSGCU via cash, check, or wire transfer and the CD is opened within five days of receiving the funds or if the funds came from an IRA transfer that was deposited into the IRA share and the CD opened within five days. Minimum of $10,000 of new money must be deposited to the CD using cash or check before existing MSGCU funds can be added. Offer renews to a 12-month term Certificate of Deposit. There will be a 90-day interest penalty on early withdrawal. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional CD is not eligible for a rate bump.

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Grow-With-Me CD
TermAPY*Interest Rate
6 Months 1.500% 1.492%
1 Year 1.750% 1.739%
2 Years 2.250% 2.231%

*APY = Annual Percentage Yield. $250 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

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Individual Retirement Account (IRA)
APY*Interest Rate
0.300% 0.300%

*APY = Annual Percentage Yield. No Minimum Balance Required.

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Minimum balance listed is to open an account and earn the advertised APY. All rates and APYs are accurate as of today and subject to change at any time. Fees may reduce earnings on accounts. A penalty will be imposed for early withdrawal from Certificates of Deposit.