Credit union · NCUA insured
Members Cooperative Credit Union CD Rates
Members Cooperative Credit Union’s best CD rate is 4.00% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Members Cooperative Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Members Cooperative Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Cooperative Credit Union
4.10%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $445
MembersPlus 13 Month Share Certificate
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
Members Cooperative Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.10%
- 31–60 months31–60 mo2.85%
- QualifiedQualified4.10%
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 Cooperative 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.
MembersPlus 13 Month Share Certificate
4.10%APY · 1 term
Requires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. $1,000 minimum deposit/balance. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsRequires at least two products from Members, one of which is an active checking account (minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Renews into MembersPlus 12 Month Share Certificate. Assumes principal and interest remain on deposit for the term of the certificate. Early withdrawal penalty applies | 4.10% | $445 |
MembersBasic 13 Month Share Certificate
4.00%APY · 1 term
Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Penalty for early withdrawal | 4.00% | $434 |
Sources (1)
- membersccu.com/accounts/investing/certificates · captured Oct 16, 2026
MembersPlus Share Certificate
Up to 3.50%APY · 5 terms
MembersPlus accounts require at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.50% | 3.60% | 3.50%3.60% from $100k | $350 |
| 24 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.20% | 3.40% | 3.20%3.40% from $100k | $650 |
| 36 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.20% | 3.30% | 3.20%3.30% from $100k | $991 |
| 48 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.20% | 3.30% | 3.20%3.30% from $100k | $1,343 |
| 60 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.25% | 3.35% | 3.25%3.35% from $100k | $1,734 |
Sources (2)
All captured Oct 5, 2026
Funeral Share Certificate
2.85%APY
Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies. | 2.85% | $285 | Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies. |
| $100,000 and upAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies. | 2.95% | — | Assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies. |
Sources (1)
- membersccu.com/accounts/investing/certificates · captured Oct 5, 2026
MembersBasic Share Certificate
Up to 2.85%APY · 5 terms
Membership required. $1,000 minimum deposit to open an account. Dividends compound quarterly on 12- to 60-month certificates. Early withdrawal penalty applies.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.15% | 2.25% | 2.15%2.25% from $100k | $215 |
| 24 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.10% | 2.20% | 2.10%2.20% from $100k | $424 |
| 36 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.80% | 2.90% | 2.80%2.90% from $100k | $864 |
| 48 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.80% | 2.90% | 2.80%2.90% from $100k | $1,168 |
| 60 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.85% | 2.95% | 2.85%2.95% from $100k | $1,509 |
Sources (1)
- membersccu.com/accounts/investing/certificates · captured Oct 5, 2026
Basic 6 Month Share Certificate
2.00%APY · 1 term
Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.00% | $100 |
Sources (1)
- membersccu.com/accounts/investing/certificates · captured Oct 16, 2026
Basic 3 Month Share Certificate
1.25%APY · 1 term
Membership required. $1,000 minimum deposit to open an account. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 1.25% | $31 |
Sources (1)
- membersccu.com/accounts/investing/certificates · captured Oct 16, 2026
Special-purpose accounts
MembersPlus IRA Certificate
Up to 4.10%APY · 6 terms
Available as Traditional, Roth, and SEP IRA Certificate options. Requires at least two products, one of which is a Members active checking account (minimum 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). $1,000 minimum deposit/balance. No fee to open. MembersPlus IRA 13 Month Certificate renews into MembersPlus IRA 12 Month Certificate. Early withdrawal penalty applies.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.50% | 3.60% | 3.50%3.60% from $100k | $350 |
| 13 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Renews into MembersPlus IRA 12 Month Certificate. Early withdrawal penalty applies | 4.10% | 4.10% | 4.10%4.10% from $100k | $445 |
| 24 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.20% | 3.40% | 3.20%3.40% from $100k | $650 |
| 36 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.20% | 3.30% | 3.20%3.30% from $100k | $991 |
| 48 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.20% | 3.30% | 3.20%3.30% from $100k | $1,343 |
| 60 monthsRequires at least two products, including active checking (minimum 5 debits per month or recurring direct deposit(s) of $500+/mo). Early withdrawal penalty applies | 3.25% | 3.35% | 3.25%3.35% from $100k | $1,734 |
Sources (3)
- membersccu.com/accounts/investing/ira-certificate
- membersccu.com/rates/ira-certificate-rates
- membersccu.com
All captured Oct 5, 2026
MembersBasic IRA Certificate
Up to 4.00%APY · 6 terms
Available as Traditional, Roth, and SEP IRA Certificate options. $1,000 minimum deposit to open an account. No fee to open. Early withdrawal penalty applies.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.15% | 2.25% | 2.15%2.25% from $100k | $215 |
| 13 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 4.00% | 4.00% | 4.00%4.00% from $100k | $434 |
| 24 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.10% | 2.20% | 2.10%2.20% from $100k | $424 |
| 36 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.80% | 2.90% | 2.80%2.90% from $100k | $864 |
| 48 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.80% | 2.90% | 2.80%2.90% from $100k | $1,168 |
| 60 monthsAssumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings. Early withdrawal penalty applies | 2.85% | 2.95% | 2.85%2.95% from $100k | $1,509 |
Sources (1)
- membersccu.com/accounts/investing/ira-certificate · captured Oct 5, 2026
Youth Share Certificate
Up to 2.10%APY · 2 terms
Membership required. Add-on deposits permitted at any time during the term. $250 minimum opening deposit.
| Term | APY · $250 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsFunds can be added at any time during the term | 1.70% | 1.80% | 1.70%1.80% from $100k | $170 |
| 24 monthsFunds can be added at any time during the term | 2.10% | 2.20% | 2.10%2.20% from $100k | $424 |
Sources (2)
All captured Oct 5, 2026
Who can join Members Cooperative Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, or attends school in specified Minnesota counties or Douglas County, Wisconsin.
Employers and groups
- Eligibility is open to past or present employees of Members Cooperative Credit Union or their family members.
Family and household
- Eligibility is open to spouses of members, or blood or adoptive relatives of either a member or their spouse.
Other ways
- Eligibility is open to anyone who owns a business or other legal entity within the specified counties.
Membership information collected October 4, 2026.