Credit union · NCUA insured
Members Credit Union CD Rates
Top CarrotMembers Credit Union’s best CD rate is 3.66% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Members Credit Union’s CD rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Credit Union
3.66%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $745
Share Certificates
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Members Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.66%
- 31–60 months31–60 mo3.66%
- QualifiedQualified3.66%
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.
Share Certificates
Up to 3.66%APY · 6 terms
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned. Dividends paid monthly. Minimum deposit is $2,000 unless stated otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 12 months | 3.45% | $345 |
| 18 months | 3.45% | $522 |
| 24 months | 3.66% | $745 |
| 36 months | 3.66% | $1,139 |
| 60 months | 3.66% | $1,969 |
Sources (3)
- memcu.com/deposit/certificate-of-deposit
- memcu.com/membership/rates
- memcu.com/s/Rate-Sheet-2026-tchz.pdf
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.66%APY · 4 terms
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned. Rates apply to Regular, Roth, and Educational IRAs. Minimum deposit is $2,000 unless stated otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.45% | $345 |
| 24 months | 3.66% | $745 |
| 36 months | 3.66% | $1,139 |
| 60 months | 3.66% | $1,969 |
Sources (3)
- memcu.com/invest/individual-retirement-accounts
- memcu.com/membership/rates
- memcu.com/s/Rate-Sheet-2026-tchz.pdf
All captured Oct 4, 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
- Individuals who live, work, worship, or learn in Surry, Wilkes, or Yadkin County are eligible to join.
- Individuals who live, work, worship, or learn in Sampson or Duplin County are eligible to join.
- Individuals who live, work, worship, or learn in Gaston County are eligible to join.
- Individuals who live, work, worship, or learn in a 25-mile radius of Hope Mills, NC are eligible to join.
- Individuals who live, work, worship, or learn in Iredell County are eligible to join.
Employers and groups
- Members of an affiliate association of MCU are eligible to join.
2 more ways to join
Employers and groups
- Employees or retirees of a Sponsor Company are eligible to join.
Family and household
- Relatives/family members of a current Members CU member (spouses, parents, grandparents, children, grandchildren, brothers, and sisters, including step relations) are eligible to join.
Cost to join
- Membership is free.
Membership information collected October 4, 2026.