Credit union · NCUA insured
Members First Credit Union CD Rates
Members First Credit Union’s best CD rate is 4.35% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Members First Credit Union’s CD rates compare
Compared with banks and credit unions near Brigham City, UT-ID, where Members First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members First Credit Union
4.35%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $1,363
Share Certificates
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
Goldenwest Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $910
Members First Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
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 First 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 4.35%APY · 7 terms
Potential members must qualify for membership: live in Box Elder or Cache County, have an immediate family member with an account, or work at a Select Employee Group (SEG). If opting for the one-time bump option, original CD rate will be 0.25% lower than stated. Dividends pay quarterly. Penalties for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend pays quarterly. Early withdrawal penalty may apply | 4.00% | $198 |
| 10 monthsDividend pays quarterly. Early withdrawal penalty may apply | 3.95% | $328 |
| 12 monthsDividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply | 4.05% | $405 |
| 19 monthsDividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply | 3.95% | $633 |
| 24 monthsDividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply | 4.30% | $878 |
| 30 monthsDividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply | 4.30% | $1,110 |
| 36 monthsDividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply | 4.35% | $1,363 |
Sources (3)
All captured Oct 22, 2026
Liquid CD
3.15%APY · 1 term
Potential members must qualify for membership: live in Box Elder or Cache County, have an immediate family member with an account, or work at a Select Employee Group (SEG). Maximum $100,000. One deposit allowed per calendar month. One withdrawal per calendar month, and balance cannot drop below 50% of original certificate balance. There is no bump option on liquid certificates. Dividends pay quarterly. Penalties for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsMaximum $100,000. One deposit allowed per calendar month. One withdrawal per calendar month, and balance cannot drop below 50% of original certificate balance. No bump option. Dividend pays quarterly. Early withdrawal penalty may apply | 3.15% | $288 |
Special-purpose accounts
Youth Certificates
Up to 4.50%APY · 3 terms
Must be 25 years old or younger. Potential members must qualify for membership: live in Box Elder or Cache County, have an immediate family member with an account, or work at a Select Employee Group (SEG). $50,000 max per account. There is no bump option on Youth Certificates. Dividends pay quarterly. Penalties for withdrawing funds before the end of the designated term may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be 25 years old or younger. $50,000 max per account. No bump option. Dividend pays quarterly. Early withdrawal penalty may apply | 4.20% | $420 |
| 24 monthsMust be 25 years old or younger. $50,000 max per account. No bump option. Dividend pays quarterly. Early withdrawal penalty may apply | 4.45% | $910 |
| 36 monthsMust be 25 years old or younger. $50,000 max per account. No bump option. Dividend pays quarterly. Early withdrawal penalty may apply | 4.50% | $1,412 |
Who can join Members First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.