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.

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

 

Certificate of Deposit (Regular and IRA CDs)
TermAPY*Interest Rate
Standard
6 Months 0.400% 0.400%
12 Months 0.500% 0.499%
2 Years 0.600% 0.599%
3 Years 0.900% 0.897%
4 Years 1.100% 1.096%
5 Years 1.300% 1.294%
Promotional
9 Months 0.500% 0.499%

*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 the shorter standard term Certificate offered at the time of maturity.

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Grow-With-Me CD
TermAPY*Interest Rate
6 Months 0.300% 0.300%
1 Year 0.300% 0.300%
2 Years 0.500% 0.499%

*APY = Annual Percentage Yield. $250 Minimum Average Daily Balance Required.

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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.