Credit union · NCUA insured
Members Community Credit Union CD Rates
Members Community Credit Union’s best CD rate is 3.90% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Members Community Credit Union’s CD rates compare
Compared with banks and credit unions near Muscatine, IA, where Members Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Community Credit Union
3.90%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $193
Certificate of Deposit / Share Certificate
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Ascentra
4.40%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,137
Members Community Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.50%
- 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 Community 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.
Special-purpose accounts
Certificate of Deposit / Share Certificate
Up to 3.90%APY · 8 terms
Minimum deposit is $1,000; for minor primary owners it's $250. Automatic renewal. Early withdrawal fee applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAutomatic renewal; minimum deposit is $250 for minor primary owners | 0.20% | $5 |
| 6 monthsAutomatic renewal; not applicable to IRAs; minimum deposit is $250 for minor primary owners | 3.90% | $193 |
| 12 monthsAutomatic renewal; minimum deposit is $250 for minor primary owners | 3.75% | $375 |
| 18 monthsAutomatic renewal; minimum deposit is $250 for minor primary owners | 3.60% | $545 |
| 24 monthsAutomatic renewal; minimum deposit is $250 for minor primary owners | 3.50% | $712 |
| 36 monthsAutomatic renewal; minimum deposit is $250 for minor primary owners | 3.50% | $1,087 |
| 48 monthsAutomatic renewal; minimum deposit is $250 for minor primary owners | 3.25% | $1,365 |
| 60 monthsAutomatic renewal; minimum deposit is $250 for minor primary owners | 3.25% | $1,734 |
Sources (1)
- memberscommunitycu.org/cds · captured Sep 18, 2026
IRA Certificate
Up to 3.75%APY · 7 terms
IRAs use CDs as the investment choice (Traditional or Roth IRA). 6 Month CD and One Bump CD are not applicable to IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAutomatic renewal | 0.20% | $5 |
| 12 monthsAutomatic renewal | 3.75% | $375 |
| 18 monthsAutomatic renewal | 3.60% | $545 |
| 24 monthsAutomatic renewal | 3.50% | $712 |
| 36 monthsAutomatic renewal | 3.50% | $1,087 |
| 48 monthsAutomatic renewal | 3.25% | $1,365 |
| 60 monthsAutomatic renewal | 3.25% | $1,734 |
One Bump CD
0.00%APY · 1 term
Fixed rate for the term until the member exercises the right to bump the rate one time at any point during the term to the current rate offered on other accounts with the same term. Not applicable to IRAs. Minimum deposit is $1,000 ($250 for minor primary owners).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAutomatic renewal; not applicable to IRAs; allows a one-time rate bump during term | 0.00% | $0 |
Sources (1)
- memberscommunitycu.org/cds · captured Sep 18, 2026
Who can join Members Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Muscatine, Scott, Cedar, Johnson, Louisa counties in Iowa, or Rock Island County in Illinois are eligible for membership.
Employers and groups
- Current or retired employees of HNI Corporation are eligible for membership.
Family and household
- Immediate relatives of any current credit union member are eligible for membership.
Cost to join
- A refundable deposit of at least $5 into a savings account is required to establish membership and ownership share.
Membership information collected October 4, 2026.