Credit union · NCUA insured
Members Exchange Credit Union CD Rates
Members Exchange Credit Union’s best CD rate is 1.90% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Members Exchange Credit Union’s CD rates compare
Compared with banks and credit unions near Jackson, MS, where Members Exchange Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Exchange Credit Union
1.40%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $720
Share Certificate
Top rate
Veritas Federal Credit Union
4.35%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $398
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
Members Exchange Credit Union CD score
61
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.73%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.10%
- 31–60 months31–60 mo1.40%
- QualifiedQualified1.40%
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 Exchange 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.
Jumbo Share Certificate
Up to 1.90%APY · 6 terms
Penalty for early withdrawal. Fixed rate. Once opened, no additional deposits. MEFCU offers rate match under specific conditions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Minimum earning balance $100,000 | 1.23% | — |
| 12 monthsFixed rate. Minimum earning balance $100,000 | 1.50% | — |
| 24 monthsFixed rate. Minimum earning balance $100,000 | 1.60% | — |
| 36 monthsFixed rate. Minimum earning balance $100,000 | 1.70% | — |
| 48 monthsFixed rate. Minimum earning balance $100,000 | 1.80% | — |
| 60 monthsFixed rate. Minimum earning balance $100,000 | 1.90% | — |
Sources (1)
- mecuanywhere.com/loans/rates/jumbo-certificate-rates · captured Sep 19, 2026
Share Certificate
Up to 1.40%APY · 6 terms
Penalty for early withdrawal. Fixed rate. Once opened, no additional deposits. MEFCU offers rate match under specific conditions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Minimum earning balance $1,000 | 0.73% | $36 |
| 12 monthsFixed rate. Minimum earning balance $1,000 | 1.00% | $100 |
| 24 monthsFixed rate. Minimum earning balance $1,000 | 1.10% | $221 |
| 36 monthsFixed rate. Minimum earning balance $1,000 | 1.20% | $364 |
| 48 monthsFixed rate. Minimum earning balance $1,000 | 1.30% | $530 |
| 60 monthsFixed rate. Minimum earning balance $1,000 | 1.40% | $720 |
Sources (1)
- mecuanywhere.com/loans/rates/share-ira-certificate-rates · captured Sep 19, 2026
Special-purpose accounts
Jumbo IRA Certificate
Up to 1.90%APY · 6 terms
Penalty for early withdrawal. Fixed rate. Once opened, no additional deposits. MEFCU offers rate match under specific conditions. Traditional, Roth, and Coverdell ESA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Minimum earning balance $100,000 | 1.23% | — |
| 12 monthsFixed rate. Minimum earning balance $100,000 | 1.50% | — |
| 24 monthsFixed rate. Minimum earning balance $100,000 | 1.60% | — |
| 36 monthsFixed rate. Minimum earning balance $100,000 | 1.70% | — |
| 48 monthsFixed rate. Minimum earning balance $100,000 | 1.80% | — |
| 60 monthsFixed rate. Minimum earning balance $100,000 | 1.90% | — |
Sources (2)
All captured Sep 19, 2026
IRA Certificate
Up to 1.40%APY · 6 terms
Penalty for early withdrawal. Fixed rate. Once opened, no additional deposits. MEFCU offers rate match under specific conditions. Traditional, Roth, and Coverdell ESA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Minimum earning balance $1,000 | 0.73% | $36 |
| 12 monthsFixed rate. Minimum earning balance $1,000 | 1.00% | $100 |
| 24 monthsFixed rate. Minimum earning balance $1,000 | 1.10% | $221 |
| 36 monthsFixed rate. Minimum earning balance $1,000 | 1.20% | $364 |
| 48 monthsFixed rate. Minimum earning balance $1,000 | 1.30% | $530 |
| 60 monthsFixed rate. Minimum earning balance $1,000 | 1.40% | $720 |
Sources (2)
All captured Sep 19, 2026
Who can join Members Exchange 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 persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Hinds, Madison, Rankin, Simpson, Copiah, Attala, Claiborne, Covington, Holmes, Jasper, Jefferson, Jefferson Davis, Jones, Lawrence, Leake, Lincoln, Neshoba, Newton, Scott, Smith, Warren, Winston, and Yazoo Counties in Mississippi.
Family and household
- Membership is open to immediate family members of credit union members, including spouse, parents, brothers, sisters, grandparents, children, and grandchildren.
Other ways
- Membership is open to organizations owned by eligible persons.
Cost to join
- A minimum deposit of $1.00 in a share savings account is required to join.
- There is no joining fee.
Membership information collected October 4, 2026.