Credit union · NCUA insured
MECU Credit Union CD Rates
MECU Credit Union’s best CD rate is 4.20% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How MECU Credit Union’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where MECU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MECU Credit Union
4.20%APY
- Term
- 10 months
- Minimum
- —
- Earns on $10,000
- $349
Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
MECU Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.60%
- QualifiedQualified4.20%
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 MECU 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
4.20%APY · 1 term
Rates as high as stated on featured rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsFeatured rate 'As High As 4.20%' | 4.20% | $349 |
Sources (1)
- mecu.com · captured Oct 4, 2026
Regular Certificate of Deposit (CD)
Up to 4.20%APY · 10 terms
MECU membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. Fees could reduce earnings on the account.
| Term | APY · $500 and up | APY · $1,000 – $90,000 | APY · $5,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsMinimum balance in order to earn stated APY is $500 | 3.65% | — | — | 3.65% | $181 |
| 9 monthsMinimum balance in order to earn stated APY is $500 | 3.65% | — | — | 3.65% | $273 |
| 10 monthsPromotional Annual Percentage Yield (APY) of 4.20% effective as of September 24, 2026. 10-month CD rate is a limited time offer and available as Regular CD only. APY and promotion period are subject to change at any time without notice. A $1,000 minimum opening deposit is required to earn interest and to obtain the promotional APY. One CD per member with maximum deposit allowed of $90,000 / maximum allowed online through mecu.com is $90,000. CD opened online cannot be withdrawn within the first 30 days. At maturity, promotional term will renew to a 12-month CD term unless action taken. A penalty will be imposed for early withdrawal before maturity. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. MECU membership eligibility required. Certain restrictions may apply | — | 4.20% | — | 4.20% | $349 |
| 12 monthsMinimum balance in order to earn stated APY is $500 | 3.80% | — | — | 3.80% | $380 |
| 18 monthsMinimum balance in order to earn stated APY is $500 | 3.20% | — | — | 3.20% | $484 |
| 21 monthsPromotional Annual Percentage Yield (APY) of 4.00% effective as of September 24, 2026. 21-month CD rate is a limited time offer and available as a Regular CD only. APY and promotion period are subject to change at any time without notice. A $5,000 minimum opening deposit of new money is required to earn interest and to obtain the promotional APY. One CD per member with maximum deposit allowed of $250,000 / maximum allowed online through mecu.com is $100,000. CD opened online cannot be withdrawn within the first 30 days. New money is defined as funds not currently on deposit at MECU. Transfers from existing MECU accounts are not eligible for the promotional offer. At maturity, promotional term will renew to a 24-month CD term unless action taken. A penalty will be imposed for early withdrawal before maturity. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. MECU membership eligibility required. Certain restrictions may apply | — | — | 4.00% | 4.00% | $710 |
| 24 monthsMinimum balance in order to earn stated APY is $500 | 3.20% | — | — | 3.20% | $650 |
| 36 monthsMinimum balance in order to earn stated APY is $500 | 3.20% | — | — | 3.20% | $991 |
| 48 monthsMinimum balance in order to earn stated APY is $500 | 2.75% | — | — | 2.75% | $1,146 |
| 60 monthsMinimum balance in order to earn stated APY is $500 | 2.75% | — | — | 2.75% | $1,453 |
Sources (2)
All captured Oct 4, 2026
SuperFlex Certificate of Deposit (CD)
3.50%APY · 1 term
Minimum opening deposit of $5,000. Build investment with automatic transfers from another MECU account. No withdrawals until 7 business days after initial deposit or additional deposits. Only one withdrawal without paying penalty permitted; withdrawal must leave balance of at least $1,000. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date. MECU membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsMinimum opening deposit $5,000; minimum balance to earn interest is $1,000. Only one withdrawal without paying penalty permitted; withdrawal must leave balance of at least $1,000. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date | 3.50% | $320 |
Sources (2)
All captured Oct 4, 2026
Auto-Build Certificate of Deposit (CD)
Up to 2.80%APY · 2 terms
Membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to earn stated APY is $25 | 2.80% | $280 |
| 24 monthsMinimum balance to earn stated APY is $25 | 2.50% | $506 |
Sources (2)
All captured Oct 22, 2026
Bump-Up Certificate of Deposit (CD)
Up to 2.60%APY · 2 terms
Allows locking in a higher interest rate during term. Membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24–36 monthsMinimum balance to earn stated APY is $500 | 2.20% | $445 |
| 48–60 monthsMinimum balance to earn stated APY is $500 | 2.60% | $1,081 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Regular IRA Certificate of Deposit (CD)
Up to 3.80%APY · 8 terms
Available as Traditional and Roth IRA CDs. Excludes promotional terms (10-month and 21-month) which are available as Regular CD only. Membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance in order to earn stated APY is $500 | 3.65% | $181 |
| 9 monthsMinimum balance in order to earn stated APY is $500 | 3.65% | $273 |
| 12 monthsMinimum balance in order to earn stated APY is $500 | 3.80% | $380 |
| 18 monthsMinimum balance in order to earn stated APY is $500 | 3.20% | $484 |
| 24 monthsMinimum balance in order to earn stated APY is $500 | 3.20% | $650 |
| 36 monthsMinimum balance in order to earn stated APY is $500 | 3.20% | $991 |
| 48 monthsMinimum balance in order to earn stated APY is $500 | 2.75% | $1,146 |
| 60 monthsMinimum balance in order to earn stated APY is $500 | 2.75% | $1,453 |
Sources (2)
All captured Oct 4, 2026
Auto-Build IRA Certificate of Deposit (CD)
Up to 2.80%APY · 2 terms
Available as IRA CD. Membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance in order to earn stated APY is $25 | 2.80% | $280 |
| 24 monthsMinimum balance in order to earn stated APY is $25 | 2.50% | $506 |
Sources (2)
All captured Oct 4, 2026
Bump-Up IRA Certificate of Deposit (CD)
Up to 2.60%APY · 4 terms
Available as Traditional IRA or Roth IRA CDs (excludes Roth IRA for specific terms if applicable per disclosures). Allows locking in a higher interest rate during term. Membership eligibility required. Early withdrawal penalty may be imposed for withdrawal of principal before maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsMinimum balance in order to earn stated APY is $500 | 2.20% | $445 |
| 36 monthsMinimum balance in order to earn stated APY is $500 | 2.20% | $675 |
| 48 monthsMinimum balance in order to earn stated APY is $500 | 2.60% | $1,081 |
| 60 monthsMinimum balance in order to earn stated APY is $500 | 2.60% | $1,369 |
Sources (2)
All captured Oct 4, 2026
Who can join MECU Credit Union
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