Credit union · NCUA insured
Members' Advantage Credit Union CD Rates
Members' Advantage Credit Union’s best CD rate is 3.46% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Members' Advantage Credit Union’s CD rates compare
Compared with banks and credit unions near Stevens Point, WI, where Members' Advantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members' Advantage Credit Union
3.46%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,854
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
Members' Advantage Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo1.26%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo2.89%
- 31–60 months31–60 mo3.46%
- QualifiedQualified3.46%
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.
Share Certificates
Up to 3.46%APY · 8 terms
Early withdrawal will result in penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.26% | $63 |
| 12 months | 2.53% | $253 |
| 18 months | 2.79% | $421 |
| 24 months | 2.84% | $576 |
| 30 months | 2.89% | $738 |
| 36 months | 3.10% | $959 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.46% | $1,854 |
Sources (1)
- membersadvantagecu.com/Rates/Savings-Rates · captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.46%APY · 7 terms
Available for Traditional, Roth, and Education SAs. Early withdrawal will result in penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsTraditional / Roth and Education SAs | 2.53% | $253 |
| 18 monthsTraditional / Roth and Education SAs | 2.79% | $421 |
| 24 monthsTraditional / Roth and Education SAs | 2.84% | $576 |
| 30 monthsTraditional / Roth and Education SAs | 2.89% | $738 |
| 36 monthsTraditional / Roth and Education SAs | 3.10% | $959 |
| 48 monthsTraditional / Roth and Education SAs | 3.35% | $1,409 |
| 60 monthsTraditional / Roth and Education SAs | 3.46% | $1,854 |
Sources (1)
- membersadvantagecu.com/Rates/Savings-Rates · captured Sep 18, 2026
Youth Share Certificates
Up to 3.46%APY · 6 terms
For ages 0-17. Early withdrawal will result in penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAges 0-17 | 1.01% | $25 |
| 6 monthsAges 0-17 | 1.26% | $63 |
| 12 monthsAges 0-17 | 2.53% | $253 |
| 36 monthsAges 0-17 | 3.10% | $959 |
| 48 monthsAges 0-17 | 3.35% | $1,409 |
| 60 monthsAges 0-17 | 3.46% | $1,854 |
Sources (1)
- membersadvantagecu.com/Rates/Savings-Rates · captured Sep 18, 2026
Who can join Members' Advantage Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.