Credit union · NCUA insured
Members Source Credit Union CD Rates
Members Source Credit Union’s best CD rate is 4.50% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Members Source Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Members Source Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Source Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Share Certificates (CDs)
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Members Source Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo0.80%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.53%
- QualifiedQualified4.50%
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 Source 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 (CDs)
Up to 4.50%APY · 9 terms
Penalty for early withdrawal. Dividends credited and compounded monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.80% | $40 |
| 11 months11-Month Special | 4.50% | $412 |
| 12 months | 1.36% | $136 |
| 18 months | 1.56% | $235 |
| 22 months22-Month Special | 4.00% | $746 |
| 24 months | 1.76% | $355 |
| 36 months | 1.87% | $572 |
| 48 months | 2.27% | $939 |
| 60 months | 2.53% | $1,331 |
Sources (3)
- ms-cu.com/about/rates
- ms-cu.com/wp-content/uploads/2…/Rate-Sheet-9.1.2026.pdf
- ms-cu.com/accounts/share-certificates
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.65%APY · 8 terms
Penalty for early withdrawal. Dividends credited and compounded monthly. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.80% | $40 |
| 12 months | 1.36% | $136 |
| 15 months15 Month Special | 4.65% | $585 |
| 18 months | 1.56% | $235 |
| 24 months | 1.76% | $355 |
| 36 months | 1.87% | $572 |
| 48 months | 2.27% | $939 |
| 60 months | 2.53% | $1,331 |
Who can join Members Source 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 or works in Lake, Porter, Jasper, or LaPorte County.
Membership information collected October 5, 2026.