Credit union · NCUA insured
Members Choice Credit Union CD Rates
Members Choice Credit Union’s best CD rate is 3.41% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Members Choice Credit Union’s CD rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Members Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Choice Credit Union
3.41%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,825
Share Certificate
Top rate
UK Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $373
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Members Choice Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo2.89%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo3.41%
- QualifiedQualified3.41%
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 Choice 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 Certificate
Up to 3.41%APY · 10 terms
Membership is required. Minimum opening balance and to earn APY is $1,000.00. Early withdrawal penalty is 90 days of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.70% | $17 |
| 6 months | 2.79% | $139 |
| 9 months | 2.79% | $209 |
| 12 months | 2.89% | $289 |
| 18 months | 2.89% | $437 |
| 24 months | 3.05% | $619 |
| 30 months | 3.05% | $780 |
| 36 months | 3.20% | $991 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.41% | $1,825 |
Special-purpose accounts
IRA Certificate
Up to 3.41%APY · 7 terms
Membership is required. Minimum opening balance and to earn APY is $1,000.00. Early withdrawal penalty is 90 days of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.89% | $289 |
| 18 months | 2.89% | $437 |
| 24 months | 3.05% | $619 |
| 30 months | 3.05% | $780 |
| 36 months | 3.20% | $991 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.41% | $1,825 |
Who can join Members Choice Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or goes to school in 33 specified Eastern Kentucky counties is eligible for membership.
Employers and groups
- Any employee or retiree of a Very Important Partner is eligible for membership.
Family and household
- Any immediate family member of an existing Members Choice member is eligible for membership.
Membership information collected October 4, 2026.