Credit union · NCUA insured
MECE Credit Union CD Rates
Top CarrotMECE Credit Union’s best CD rate is 4.99% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How MECE Credit Union’s CD rates compare
Compared with banks and credit unions near Jefferson City, MO, where MECE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MECE Credit Union
4.94%APY
- Term
- 48 months
- Minimum
- $10,000
- Earns on $10,000
- $2,127
Certificates (CDs)
2nd-highest rate
Sullivan Bank
4.30%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,343
3rd-highest rate
Conservation Employees Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $425
MECE Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.06%
- 9–15 months9–15 mo4.22%
- 16–30 months16–30 mo4.32%
- 31–60 months31–60 mo4.84%
- QualifiedQualified4.84%
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 MECE Credit Union 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.
Certificates (CDs)
Up to 4.99%APY · 8 terms
Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.85% | $95 |
| 3 monthsJumbo | 3.85% | $95 |
| 3 monthsJumbo Plus | 3.70% | $91 |
| 3 monthsJumbo+ | 3.85% | $95 |
| 6 months | 4.06% | $201 |
| 6 monthsJumbo | 4.06% | $201 |
| 6 monthsJumbo Plus | 4.11% | $203 |
| 6 monthsJumbo+ | 4.06% | $201 |
| 12 months | 4.22% | $422 |
| 12 monthsJumbo | 4.22% | $422 |
| 12 monthsJumbo Plus | 4.32% | $432 |
| 12 monthsJumbo+ | 4.22% | $422 |
| 18 months | 4.22% | $640 |
| 18 monthsJumbo | 4.32% | $655 |
| 18 monthsJumbo Plus | 4.32% | $655 |
| 18 monthsJumbo+ | 4.37% | $663 |
| 24 months | 4.27% | $872 |
| 24 monthsJumbo | 4.37% | $893 |
| 24 monthsJumbo Plus | 4.37% | $893 |
| 24 monthsJumbo+ | 4.42% | $904 |
| 36 months | 4.37% | $1,369 |
| 36 monthsJumbo | 4.47% | $1,402 |
| 36 monthsJumbo Plus | 4.37% | $1,369 |
| 36 monthsJumbo+ | 4.52% | $1,418 |
| 48 months | 4.84% | $2,081 |
| 48 monthsJumbo | 4.94% | $2,127 |
| 48 monthsJumbo Plus | 4.63% | $1,985 |
| 48 monthsJumbo+ | 4.99% | $2,150 |
| 60 months | 4.52% | $2,474 |
| 60 monthsJumbo | 4.63% | $2,540 |
| 60 monthsJumbo Plus | 4.52% | $2,474 |
| 60 monthsJumbo+ | 4.68% | $2,570 |
Sources (3)
- mececu.com/accounts/rates
- mececu.com/certificates-cds
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 16, 2026
Special-purpose accounts
IRA & HSA Certificates
Up to 5.01%APY · 8 terms
Dividends are paid monthly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal (regular IRA distributions excluded). Rate bump-up available once during term on 24, 36, 48, and 60 months. Must have or apply for Traditional or Roth IRA through MECECU before opening an IRA CD. Individual Retirement Accounts (IRA) and Health Savings Accounts (HSA) are subject to IRS limitations and penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.87% | $95 |
| 3 monthsJumbo IRA | 3.87% | $95 |
| 6 months | 4.07% | $201 |
| 6 monthsJumbo IRA | 4.07% | $201 |
| 12 months | 4.23% | $423 |
| 12 monthsJumbo IRA | 4.23% | $423 |
| 18 months | 4.23% | $641 |
| 18 monthsJumbo IRA | 4.39% | $666 |
| 24 months | 4.28% | $874 |
| 24 monthsJumbo IRA | 4.44% | $908 |
| 36 months | 4.39% | $1,376 |
| 36 monthsJumbo IRA | 4.54% | $1,425 |
| 48 months | 4.85% | $2,086 |
| 48 monthsJumbo IRA | 5.01% | $2,160 |
| 60 months | 4.54% | $2,486 |
| 60 monthsJumbo IRA | 4.70% | $2,582 |
Sources (4)
- mececu.com/ira-hsa-cds
- mececu.com/ira
- mececu.com/accounts/rates
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 16, 2026
Who can join MECE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, and MECE Credit Union are eligible for membership.
Family and household
- Immediate family members (defined as spouses, grandparents, parents, children, grandchildren, siblings, and spouses of children, grandchildren, and siblings) of eligible employees, as well as the spouse's immediate family, are eligible for membership.
Cost to join
- A minimum deposit of $25 is required to open an account.
Membership information collected October 4, 2026.