Credit union · NCUA insured
Members Credit Union CD Rates
Members Credit Union’s best CD rate is 3.75% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Members Credit Union’s CD rates compare
Compared with banks and credit unions near Bridgeport, CT, where Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Credit Union
3.75%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $471
Certificate Account of Social Good
Top rate
The First Bank of Greenwich
4.60%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $499
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Members Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.75%
- 31–60 months31–60 mo1.00%
- QualifiedQualified3.75%
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 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.
Certificate Account of Social Good
3.75%APY · 1 term
For new deposits only into Members CU (money currently on deposit does not qualify). Available for amounts from $1,000 to $250,000. Dividends compound and post semi-annually. 90-day penalty for early withdrawal. Renews automatically at current rate unless notified within 10 days of maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsAvailable for amounts from $1,000 to $250,000. Eligible for new deposits only; money currently on deposit does not qualify. Dividends compound and post semi-annually. 90-day penalty for early withdrawal. Renews automatically unless notified within 10 days of maturity date | 3.75% | $471 |
Certificate Account
Up to 3.50%APY · 7 terms
$500 minimum balance to open Certificate; members younger than 18 may open with $250.00. Subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty | 0.20% | $5 |
| 6 months$500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty | 0.25% | $12 |
| 12 months$500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty | 3.50% | $350 |
| 24 months$500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty | 0.75% | $151 |
| 36 months$500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty | 1.00% | $304 |
| 48 months$500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty | 1.00% | $407 |
| 60 months$500 minimum balance to open ($250 for members younger than 18). Subject to early withdrawal penalty | 1.00% | $511 |
Sources (1)
- memberscu.coop/dividend-rates · captured Sep 19, 2026
Save to Win Certificate
2.02%APY · 1 term
Can be opened with as little as $25 and can be added to at any time during the life of the certificate. May be eligible to win cash prizes based on each $25 deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCan be opened with as little as $25 and can be added to at any time during the life of the certificate. May be eligible to win cash prizes based on each $25 deposit | 2.02% | $202 |
Sources (1)
- memberscu.coop/dividend-rates · captured Sep 19, 2026
Who can join Members Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Fairfield County.
Cost to join
- A $5 minimum deposit into a share savings account is required to open an account and use all services of MCU.
Membership information collected October 4, 2026.