Credit union · NCUA insured
MCU Financial Center CU CD Rates
Top CarrotMCU Financial Center CU’s best CD rate is 3.50% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MCU Financial Center CU’s CD rates compare
Compared with banks and credit unions near Racine, WI, where MCU Financial Center CU has the most branches. $10,000, best rate first.
This credit union’s best
MCU Financial Center CU
3.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $261
Share Certificate
Top rate
Marine Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $2,462
2nd-highest rate
Landmark Credit Union
4.40%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $440
MCU Financial Center CU CD score
67
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MCU Financial Center CU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.50%APY · 8 terms
Fixed-rate account. Additional deposits not allowed after opening. Early withdrawal penalty: 90 days dividends or $25 minimum, whichever is greater. 10-day grace period for renewal/withdrawal without penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3-Month term | 0.50% | $12 |
| 6 months6-Month term | 1.00% | $50 |
| 9 months9-Month Special term. Special rate | 3.50% | $261 |
| 12 months1-Year term | 1.50% | $150 |
| 24 months2-Year term. Rate may be subject to other conditions as noted in footnotes (*) | 2.00% | $404 |
| 36 months3-Year term | 2.50% | $769 |
| 48 months4-Year term | 2.65% | $1,103 |
| 60 months5-Year term | 2.75% | $1,453 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 8 terms
IRA Share Certificate. Early withdrawal penalty: 90 days dividends or $25 minimum, whichever is greater. Dividends compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3-Month term. IRA Certificate minimum balance to open $2000 | 0.50% | $12 |
| 6 months6-Month term. IRA Certificate minimum balance to open $2000 | 1.00% | $50 |
| 9 months9-Month Special term. IRA Certificate minimum balance to open $2000. Special rate | 3.50% | $261 |
| 12 months1-Year term. IRA Certificate minimum balance to open $2000 | 1.50% | $150 |
| 24 months2-Year term. IRA Certificate minimum balance to open $2000 | 2.00% | $404 |
| 36 months3-Year term. IRA Certificate minimum balance to open $2000 | 2.50% | $769 |
| 48 months4-Year term. IRA Certificate minimum balance to open $2000 | 2.65% | $1,103 |
| 60 months5-Year term. IRA Certificate minimum balance to open $2000 | 2.75% | $1,453 |
Sources (2)
All captured Oct 5, 2026
IRA Certificate Special
3.50%APY · 1 term
Share/IRA Certificate Specials. Specific tier with elevated minimum balance as listed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months9-Month term. Special tier with minimum balance requirement. As of October 1, 2026 | 3.50% | $261 |
Sources (1)
- mcucreditunion.com/certificate-specials · captured Oct 5, 2026
Who can join MCU Financial Center CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Racine or Kenosha counties are eligible for membership.
Cost to join
- A $15 membership share deposit into a Primary Savings account is required to join.
Membership information collected October 5, 2026.