Add guaranteed returns to your savings with Certificates of Deposit.

One way MSGCU gives back to our members is through competitive rates, and our Certificates of Deposit (CDs) are a great way to earn higher interest on savings you don’t need immediate access to. CD terms from six months to five years are available and the interest rate is guaranteed, making them a risk-free way to save.

A CD may be a great option for growing your money for these common savings goals:
 

  • A down payment on a new home
  • A dream vacation or splurge item
  • A new vehicle
  • College tuition
  • Home renovations

We are always here to help our members create a plan to reach their savings goals, and we encourage you to contact us if you’d like some guidance on selecting the right CD for you.

Certificate of Deposit (Regular and IRA CDs)
TermAPY*Interest Rate
Standard
6 Months 2.50% 2.48%
12 Months 3.00% 2.97%
2 Years 3.00% 2.97%
3 Years 3.25% 3.21%
4 Years 3.25% 3.21%
5 Years 3.50% 3.46%
Promotional
9 Months 4.25% 4.18%
18 Months 4.05% 3.99%

*APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. $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.

Learn more and see how you can open a CD at msgcu.org/cd.

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