Credit union · NCUA insured
Members Advantage Credit Union CD Rates
Top CarrotMembers Advantage Credit Union’s best CD rate is 4.55% APY on a 6-year share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 15, 2026.
How Members Advantage Credit Union’s CD rates compare
Compared with banks and credit unions near Michigan City, IN, where Members Advantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Advantage Credit Union
4.55%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,060
Certificates of Deposit
Top rate
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
3rd-highest rate
Tech Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $566
Members Advantage Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo4.29%
- QualifiedQualified4.29%
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 Advantage 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 of Deposit
Up to 4.55%APY · 13 terms
Dividends compounded monthly. A minimum deposit of $1,000.00 is required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded monthly | 3.51% | $87 |
| 6 monthsDividends compounded monthly | 3.93% | $194 |
| 7 monthsDividends compounded monthly | 4.00% | $231 |
| 8 months | 4.00% | $265 |
| 11 monthsDividends compounded monthly | 4.25% | $389 |
| 12 monthsDividends compounded monthly | 3.93% | $393 |
| 18 monthsDividends compounded monthly | 4.08% | $618 |
| 24 monthsDividends compounded monthly | 4.13% | $844 |
| 36 monthsDividends compounded monthly | 4.19% | $1,309 |
| 48 monthsDividends compounded monthly | 4.24% | $1,806 |
| 60 monthsDividends compounded monthly | 4.29% | $2,337 |
| 72 monthsDividends compounded monthly | 4.55% | $3,060 |
| 84 monthsDividends compounded monthly | 4.55% | $3,654 |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.55%APY · 12 terms
Rates & terms for IRA Certificates of deposits are the same rates & terms as shown for normal Certificates of deposits. Dividends compounded monthly. A minimum deposit of $1,000.00 is required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded monthly | 3.51% | $87 |
| 6 monthsDividends compounded monthly | 3.93% | $194 |
| 7 monthsDividends compounded monthly | 4.00% | $231 |
| 11 monthsDividends compounded monthly | 4.25% | $389 |
| 12 monthsDividends compounded monthly | 3.93% | $393 |
| 18 monthsDividends compounded monthly | 4.08% | $618 |
| 24 monthsDividends compounded monthly | 4.13% | $844 |
| 36 monthsDividends compounded monthly | 4.19% | $1,309 |
| 48 monthsDividends compounded monthly | 4.24% | $1,806 |
| 60 monthsDividends compounded monthly | 4.29% | $2,337 |
| 72 monthsDividends compounded monthly | 4.55% | $3,060 |
| 84 monthsDividends compounded monthly | 4.55% | $3,654 |
Sources (1)
- macuonline.org/why-macu/rates · captured Oct 15, 2026
Who can join Members Advantage Credit Union
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