Credit union · NCUA insured
Members 1st Federal Credit Union CD Rates
Members 1st Federal Credit Union’s best CD rate is 3.90% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Members 1st Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Harrisburg, PA, where Members 1st Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members 1st Federal Credit Union
3.90%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $357
11-Month Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Members 1st Federal Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo1.05%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo1.65%
- 31–60 months31–60 mo2.00%
- QualifiedQualified3.90%
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 Federal 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.
11-Month Certificate
3.90%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. On maturity date automatically renews as the standard 12-month term certificate. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 11 months | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | 3.90%3.90% $500–$10k3.90% $50k–$75k3.90% $75k–$100k3.90% $100k–$500k3.90% $500k–$1,000k3.90% from $1,000k | $357 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
60-Month Certificate
2.00%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly. Not available for public funds accounts, financial institutions, or other institutional investors.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 60 months | 1.95% | 2.00% | 2.05% | 2.15% | 2.30% | 2.30% | 2.40% | 2.00%1.95% $500–$10k2.05% $50k–$75k2.15% $75k–$100k2.30% $100k–$500k2.30% $500k–$1,000k2.40% from $1,000k | $1,041 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
48-Month Certificate
1.85%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 48 months | 1.80% | 1.85% | 1.90% | 2.00% | 2.10% | 2.10% | 2.15% | 1.85%1.80% $500–$10k1.90% $50k–$75k2.00% $75k–$100k2.10% $100k–$500k2.10% $500k–$1,000k2.15% from $1,000k | $761 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
36-Month Certificate
1.75%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 36 months | 1.70% | 1.75% | 1.80% | 1.90% | 2.00% | 2.00% | 2.05% | 1.75%1.70% $500–$10k1.80% $50k–$75k1.90% $75k–$100k2.00% $100k–$500k2.00% $500k–$1,000k2.05% from $1,000k | $534 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
30-Month Certificate
1.65%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 30 months | 1.60% | 1.65% | 1.70% | 1.80% | 1.90% | 1.90% | 1.95% | 1.65%1.60% $500–$10k1.70% $50k–$75k1.80% $75k–$100k1.90% $100k–$500k1.90% $500k–$1,000k1.95% from $1,000k | $418 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
48-Month Bump Up Certificate
1.65%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during the original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 48 months | 1.60% | 1.65% | 1.70% | 1.80% | 1.90% | 1.90% | 1.95% | 1.65%1.60% $500–$10k1.70% $50k–$75k1.80% $75k–$100k1.90% $100k–$500k1.90% $500k–$1,000k1.95% from $1,000k | $677 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
24-Month Certificate
1.50%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 24 months | 1.45% | 1.50% | 1.55% | 1.65% | 1.75% | 1.75% | 1.80% | 1.50%1.45% $500–$10k1.55% $50k–$75k1.65% $75k–$100k1.75% $100k–$500k1.75% $500k–$1,000k1.80% from $1,000k | $302 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
18-Month Certificate
1.40%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 18 months | 1.35% | 1.40% | 1.45% | 1.55% | 1.65% | 1.65% | 1.70% | 1.40%1.35% $500–$10k1.45% $50k–$75k1.55% $75k–$100k1.65% $100k–$500k1.65% $500k–$1,000k1.70% from $1,000k | $211 |
Sources (2)
- members1st.org/ask-us/rate-center/certificates
- members1st.org/ask-us/rate-cen…rate-and-fee-disclosures
All captured Sep 17, 2026
24-Month Bump Up Certificate
1.35%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during the original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 24 months | 1.30% | 1.35% | 1.40% | 1.50% | 1.60% | 1.60% | 1.65% | 1.35%1.30% $500–$10k1.40% $50k–$75k1.50% $75k–$100k1.60% $100k–$500k1.60% $500k–$1,000k1.65% from $1,000k | $272 |
Sources (3)
- members1st.org/ask-us/rate-center/certificates
- members1st.org/ask-us/rate-cen…rate-and-fee-disclosures
- members1st.org/personal/save/certificates
All captured Sep 17, 2026
12-Month Certificate
1.20%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 12 months | 1.15% | 1.20% | 1.25% | 1.35% | 1.45% | 1.45% | 1.50% | 1.20%1.15% $500–$10k1.25% $50k–$75k1.35% $75k–$100k1.45% $100k–$500k1.45% $500k–$1,000k1.50% from $1,000k | $120 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
12-Month Bump Up Certificate
1.10%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during the original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 12 months | 1.05% | 1.10% | 1.15% | 1.25% | 1.35% | 1.35% | 1.40% | 1.10%1.05% $500–$10k1.15% $50k–$75k1.25% $75k–$100k1.35% $100k–$500k1.35% $500k–$1,000k1.40% from $1,000k | $110 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
6-Month Certificate
1.05%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 6 months | 1.00% | 1.05% | 1.10% | 1.20% | 1.30% | 1.30% | 1.35% | 1.05%1.00% $500–$10k1.10% $50k–$75k1.20% $75k–$100k1.30% $100k–$500k1.30% $500k–$1,000k1.35% from $1,000k | $52 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
3-Month Certificate
1.00%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Dividends paid at maturity. Penalty for early withdrawal.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 3 monthsPaid at maturity | 0.95% | 1.00% | 1.05% | 1.15% | 1.25% | 1.25% | 1.30% | 1.00%0.95% $500–$10k1.05% $50k–$75k1.15% $75k–$100k1.25% $100k–$500k1.25% $500k–$1,000k1.30% from $1,000k | $25 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
9-Month No Penalty Certificate
0.80%APY · 1 term
Minimum opening deposit and minimum balance of $5,000 required to earn advertised APY. No early withdrawal penalties. Does not renew automatically; balance transfers to regular savings account on maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 0.80% | $60 |
Sources (1)
- members1st.org/ask-us/rate-center/certificates · captured Oct 16, 2026
Special-purpose accounts
11-Month IRA Certificate
3.90%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. On maturity date automatically renews as the standard 12-month term certificate. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 11 months | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | 3.90%3.90% $500–$10k3.90% $50k–$75k3.90% $75k–$100k3.90% $100k–$500k3.90% $500k–$1,000k3.90% from $1,000k | $357 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
60-Month IRA Certificate
2.00%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 60 months | 1.95% | 2.00% | 2.05% | 2.15% | 2.30% | 2.30% | 2.40% | 2.00%1.95% $500–$10k2.05% $50k–$75k2.15% $75k–$100k2.30% $100k–$500k2.30% $500k–$1,000k2.40% from $1,000k | $1,041 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
48-Month IRA Certificate
1.85%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 48 months | 1.80% | 1.85% | 1.90% | 2.00% | 2.10% | 2.10% | 2.15% | 1.85%1.80% $500–$10k1.90% $50k–$75k2.00% $75k–$100k2.10% $100k–$500k2.10% $500k–$1,000k2.15% from $1,000k | $761 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
36-Month IRA Certificate
1.75%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 36 months | 1.70% | 1.75% | 1.80% | 1.90% | 2.00% | 2.00% | 2.05% | 1.75%1.70% $500–$10k1.80% $50k–$75k1.90% $75k–$100k2.00% $100k–$500k2.00% $500k–$1,000k2.05% from $1,000k | $534 |
Sources (2)
All captured Sep 17, 2026
30-Month IRA Certificate
1.65%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 30 months | 1.60% | 1.65% | 1.70% | 1.80% | 1.90% | 1.90% | 1.95% | 1.65%1.60% $500–$10k1.70% $50k–$75k1.80% $75k–$100k1.90% $100k–$500k1.90% $500k–$1,000k1.95% from $1,000k | $418 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
48-Month Bump Up IRA Certificate
1.65%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 48 months | 1.60% | 1.65% | 1.70% | 1.80% | 1.90% | 1.90% | 1.95% | 1.65%1.60% $500–$10k1.70% $50k–$75k1.80% $75k–$100k1.90% $100k–$500k1.90% $500k–$1,000k1.95% from $1,000k | $677 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
24-Month IRA Certificate
1.50%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 24 months | 1.45% | 1.50% | 1.55% | 1.65% | 1.75% | 1.75% | 1.80% | 1.50%1.45% $500–$10k1.55% $50k–$75k1.65% $75k–$100k1.75% $100k–$500k1.75% $500k–$1,000k1.80% from $1,000k | $302 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
18-Month IRA Certificate
1.40%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 18 months | 1.35% | 1.40% | 1.45% | 1.55% | 1.65% | 1.65% | 1.70% | 1.40%1.35% $500–$10k1.45% $50k–$75k1.55% $75k–$100k1.65% $100k–$500k1.65% $500k–$1,000k1.70% from $1,000k | $211 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
24-Month Bump Up IRA Certificate
1.35%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 24 months | 1.30% | 1.35% | 1.40% | 1.50% | 1.60% | 1.60% | 1.65% | 1.35%1.30% $500–$10k1.40% $50k–$75k1.50% $75k–$100k1.60% $100k–$500k1.60% $500k–$1,000k1.65% from $1,000k | $272 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
12-Month IRA Certificate
1.20%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 12 months | 1.15% | 1.20% | 1.25% | 1.35% | 1.45% | 1.45% | 1.50% | 1.20%1.15% $500–$10k1.25% $50k–$75k1.35% $75k–$100k1.45% $100k–$500k1.45% $500k–$1,000k1.50% from $1,000k | $120 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
12-Month Bump Up IRA Certificate
1.10%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Allows a one-time rate increase during original term. Automatically renews as a standard certificate without bump-up option. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 12 months | 1.05% | 1.10% | 1.15% | 1.25% | 1.35% | 1.35% | 1.40% | 1.10%1.05% $500–$10k1.15% $50k–$75k1.25% $75k–$100k1.35% $100k–$500k1.35% $500k–$1,000k1.40% from $1,000k | $110 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
6-Month IRA Certificate
1.05%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties. Dividends compounded and credited monthly.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 6 months | 1.00% | 1.05% | 1.10% | 1.20% | 1.30% | 1.30% | 1.35% | 1.05%1.00% $500–$10k1.10% $50k–$75k1.20% $75k–$100k1.30% $100k–$500k1.30% $500k–$1,000k1.35% from $1,000k | $52 |
Sources (2)
All captured Oct 16, 2026
3-Month IRA Certificate
1.00%APY · 1 term
Minimum opening deposit and minimum balance of $500 required to earn advertised APY. Dividends paid at maturity. Coverdell Education Savings Account (ESA) Certificate available. Penalty for early withdrawal; withdrawals from IRA accounts may also be subject to tax and IRS penalties.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $500,000 | APY · $500,000 – $1,000,000 | APY · $1,000,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|---|
| 3 monthsPaid at maturity | 0.95% | 1.00% | 1.05% | 1.15% | 1.25% | 1.25% | 1.30% | 1.00%0.95% $500–$10k1.05% $50k–$75k1.15% $75k–$100k1.25% $100k–$500k1.25% $500k–$1,000k1.30% from $1,000k | $25 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
9-Month No Penalty IRA Certificate
0.80%APY · 1 term
Minimum opening deposit and minimum balance of $5,000 required to earn advertised APY. No early withdrawal penalties. Does not renew automatically; balance transfers to regular savings account on maturity date. Withdrawals from IRA accounts may be subject to tax and IRS penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 0.80% | $60 |
Sources (1)
- members1st.org/ask-us/rate-center/ira · captured Oct 16, 2026
Who can join Members 1st Federal Credit Union
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