Credit union · NCUA insured
Members 1st Credit Union CD Rates
Top CarrotMembers 1st Credit Union’s best CD rate is 4.84% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Members 1st Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Members 1st Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members 1st Credit Union
4.84%APY
- Term
- 12 months
- Minimum
- $7,500
- Earns on $10,000
- $484
75th Anniversary CD Special
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Members 1st Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.58%
- 9–15 months9–15 mo4.84%
- 16–30 months16–30 mo4.58%
- 31–60 months31–60 mo4.58%
- 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 Members 1st 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.
75th Anniversary CD Special
Up to 4.84%APY · 6 terms
Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOpen a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end | 4.58% | $227 |
| 12 monthsOpen a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end | 4.84% | $484 |
| 24 monthsOpen a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end | 4.58% | $938 |
| 36 monthsOpen a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end | 4.58% | $1,439 |
| 48 monthsOpen a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end | 4.58% | $1,963 |
| 60 monthsOpen a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end | 4.58% | $2,511 |
Sources (3)
All captured Oct 5, 2026
Certificates of Deposit
Up to 3.80%APY · 6 terms
Substantial penalty for early withdrawal. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time. Dividends can be re-invested into the certificate, deposited into account, or paid by monthly check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.06% | $306 |
| 24 months | 3.80% | $775 |
| 36 months | 3.80% | $1,185 |
| 48 months | 3.80% | $1,611 |
| 60 months | 3.80% | $2,052 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.80%APY · 6 terms
Features the same terms and benefits as regular certificates of deposit, with the exception that dividends must stay in the account and compound. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends must stay in the account and compound | 3.80% | $188 |
| 12 monthsDividends must stay in the account and compound | 3.06% | $306 |
| 24 monthsDividends must stay in the account and compound | 3.80% | $775 |
| 36 monthsDividends must stay in the account and compound | 3.80% | $1,185 |
| 48 monthsDividends must stay in the account and compound | 3.80% | $1,611 |
| 60 monthsDividends must stay in the account and compound | 3.80% | $2,052 |
Who can join Members 1st Credit Union
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