Credit union · NCUA insured
Mayo Employees Federal Credit Union CD Rates
Top CarrotMayo Employees Federal Credit Union’s best CD rate is 4.25% APY on a 25-month share certificate (CD). Rates checked October 16, 2026.
How Mayo Employees Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rochester, MN, where Mayo Employees Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mayo Employees Federal Credit Union
4.25%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $906
25 Month Certificate
Top rate
Altra Federal Credit Union
4.75%APY
- Term
- 30 months
- Minimum
- $1,000
- Earns on $10,000
- $1,230
2nd-highest rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
25 Month Certificate
4.25%APY · 1 term
Join us in celebrating 25 years at our Cascade Lake Office! Offer good though 10/31/26. $1,000 minimum deposit. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 monthsOffer good though 10/31/26. Cascade Lake Office 25 years celebration offer. A penalty may be imposed for early withdrawal | 4.25% | $906 |
Sources (1)
- mayocreditunion.org/certificates.html · captured Oct 16, 2026
Special-purpose accounts
Teen Savings Certificate
5.50%APY
For members age 13-17. Minimum opening balance is $100. Additional deposits can be made up to $8,000 (minimum additional deposit is $100). Matures on the teen's 18th birthday. Any withdrawal prior to maturity results in a penalty of all dividends earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAdditional deposits up to $8,000 (min $100). Matures on 18th birthday.$100 and up | 5.50% | $550 | Additional deposits up to $8,000 (min $100). Matures on 18th birthday. |
Sources (2)
All captured Oct 16, 2026
Youth Savings Certificate
4.50%APY
For members age 0-12. Minimum opening balance is $100. Additional deposits can be made up to $5,000 (minimum additional deposit is $100). Matures on the child's 13th birthday. Any withdrawal prior to maturity results in a penalty of all dividends earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAdditional deposits up to $5,000 (min $100). Matures on 13th birthday.$100 and up | 4.50% | $450 | Additional deposits up to $5,000 (min $100). Matures on 13th birthday. |
Sources (2)
All captured Oct 16, 2026
Certificates
Up to 3.80%APY · 7 terms
Deposit options starting as low as $1,000. Dividends are compounded quarterly. A penalty may be imposed for early withdrawal. Available in Regular or IRA certificates.
| Term | APY · $1,000 – $10,000 | APY · $1,000 and up | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months | 0.45% | — | 0.50% | 0.55% | 0.55% | 0.60% | 0.50%0.45% $1k–$10k0.55% $25k–$50k0.55% $50k–$100k0.60% from $100k | $12 |
| 6 months | 3.65% | — | 3.70% | 3.75% | 3.75% | 3.80% | 3.70%3.65% $1k–$10k3.75% $25k–$50k3.75% $50k–$100k3.80% from $100k | $183 |
| 12 months | 3.75% | — | 3.80% | 3.85% | 3.85% | 3.91% | 3.80%3.75% $1k–$10k3.85% $25k–$50k3.85% $50k–$100k3.91% from $100k | $380 |
| 24 months | 3.65% | — | 3.70% | 3.75% | 3.75% | 3.80% | 3.70%3.65% $1k–$10k3.75% $25k–$50k3.75% $50k–$100k3.80% from $100k | $754 |
| 36 months | 3.65% | — | 3.70% | 3.75% | 3.75% | 3.80% | 3.70%3.65% $1k–$10k3.75% $25k–$50k3.75% $50k–$100k3.80% from $100k | $1,152 |
| 48 months | — | 3.75% | — | — | — | — | 3.75% | $1,587 |
| 60 months | — | 3.70% | — | — | — | — | 3.70% | $1,992 |
Sources (2)
All captured Oct 16, 2026
IRA Certificates
Up to 3.80%APY · 7 terms
Available as Traditional or Roth IRA certificates. Insured up to $325,000. Deposit options starting as low as $1,000. Compounded quarterly. A penalty may be imposed for early withdrawal. All certificates except Youth and Teen are available in Regular or IRA certificates.
| Term | APY · $1,000 – $10,000 | APY · $1,000 and up | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months | 0.45% | — | 0.50% | 0.55% | 0.55% | 0.60% | 0.50%0.45% $1k–$10k0.55% $25k–$50k0.55% $50k–$100k0.60% from $100k | $12 |
| 6 months | 3.65% | — | 3.70% | 3.75% | 3.75% | 3.80% | 3.70%3.65% $1k–$10k3.75% $25k–$50k3.75% $50k–$100k3.80% from $100k | $183 |
| 12 months | 3.75% | — | 3.80% | 3.85% | 3.85% | 3.91% | 3.80%3.75% $1k–$10k3.85% $25k–$50k3.85% $50k–$100k3.91% from $100k | $380 |
| 24 months | 3.65% | — | 3.70% | 3.75% | 3.75% | 3.80% | 3.70%3.65% $1k–$10k3.75% $25k–$50k3.75% $50k–$100k3.80% from $100k | $754 |
| 36 months | 3.65% | — | 3.70% | 3.75% | 3.75% | 3.80% | 3.70%3.65% $1k–$10k3.75% $25k–$50k3.75% $50k–$100k3.80% from $100k | $1,152 |
| 48 months | — | 3.75% | — | — | — | — | 3.75% | $1,587 |
| 60 months | — | 3.70% | — | — | — | — | 3.70% | $1,992 |
Sources (2)
All captured Oct 16, 2026
Who can join Mayo Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Mayo Clinic (and affiliated entities) are eligible for membership.
- Retirees of Mayo Clinic (and affiliated entities) are eligible for membership.
- Volunteers of all Mayo-affiliated entities are eligible for membership.
Military, government and schools
- Students of Mayo Clinic are eligible for membership.
Family and household
- Relatives of current MEFCU account holders are eligible for membership.
- Blood or adoptive relatives, stepfamily members, household relationships, or family members in the care of qualifying Mayo Clinic employees, retirees, volunteers, students, or account holders are eligible for membership regardless of age or location.
Membership information collected October 4, 2026.