Credit union · NCUA insured
MembersFirst Credit Union CD Rates
Top CarrotMembersFirst Credit Union’s best CD rate is 3.85% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How MembersFirst Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where MembersFirst Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MembersFirst Credit Union
3.85%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $385
Certificate of Deposit
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
MembersFirst Credit Union CD score
82
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.85%
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 MembersFirst 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 of Deposit
Up to 3.85%APY · 8 terms
Minimum opening balance of $1,000 is required to earn dividends on all Certificates of Deposit ($500 for CU Succeed account holders). Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm 90 Days. CU Succeed account holders can open with a minimum balance of $500 | 2.65% | $66 |
| 6 monthsTerm 6 Months. CU Succeed account holders can open with a minimum balance of $500 | 3.70% | $183 |
| 12 monthsTerm 12 Months. CU Succeed account holders can open with a minimum balance of $500 | 3.85% | $385 |
| 18 monthsTerm 18 Months. CU Succeed account holders can open with a minimum balance of $500 | 3.65% | $552 |
| 24 monthsTerm 24 Months. CU Succeed account holders can open with a minimum balance of $500 | 3.50% | $712 |
| 36 monthsTerm 36 Months. CU Succeed account holders can open with a minimum balance of $500 | 3.50% | $1,087 |
| 48 monthsTerm 48 Months. CU Succeed account holders can open with a minimum balance of $500 | 3.50% | $1,475 |
| 60 monthsTerm 60 Months. CU Succeed account holders can open with a minimum balance of $500 | 3.50% | $1,877 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
MembersFirst 55+ Certificate of Deposit
Up to 4.10%APY · 8 terms
Designed for members 55 years old or better. Members must be eligible for and enrolled in the 55+ Program. Includes a one-time step up rate on certificates with a term of 2 years or more. A minimum deposit of $1,000 is required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm 90 Days CD | 2.90% | $72 |
| 6 monthsTerm 6 Months CD | 3.95% | $196 |
| 12 monthsTerm 12 Months CD | 4.10% | $410 |
| 18 monthsTerm 18 Months CD | 3.90% | $591 |
| 24 monthsTerm 24 Months CD. Eligible for a one-time step up rate | 3.75% | $764 |
| 36 monthsTerm 36 Months CD. Eligible for a one-time step up rate | 3.75% | $1,168 |
| 48 monthsTerm 48 Months CD. Eligible for a one-time step up rate | 3.75% | $1,587 |
| 60 monthsTerm 60 Months CD. Eligible for a one-time step up rate | 3.75% | $2,021 |
MembersFirst 55+ IRA Certificate
Up to 4.10%APY · 8 terms
Designed for members 55 years old or better. Members must be eligible for and enrolled in the 55+ Program. A minimum deposit of $1,000 is required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm 90 Days CD | 2.90% | $72 |
| 6 monthsTerm 6 Months CD | 3.95% | $196 |
| 12 monthsTerm 12 Months CD | 4.10% | $410 |
| 18 monthsTerm 18 Months CD | 3.90% | $591 |
| 24 monthsTerm 24 Months CD | 3.75% | $764 |
| 36 monthsTerm 36 Months CD | 3.75% | $1,168 |
| 48 monthsTerm 48 Months CD | 3.75% | $1,587 |
| 60 monthsTerm 60 Months CD | 3.75% | $2,021 |
Sources (1)
- membersfirstga.com/rates/certi…rst-55-certificate-rates · captured Sep 19, 2026
CU Succeed Certificate of Deposit
Up to 3.85%APY · 8 terms
For members ages 13-22 (CU Succeed account holders). Minimum opening deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm 90 Days | 2.65% | $66 |
| 6 monthsTerm 6 Months | 3.70% | $183 |
| 12 monthsTerm 12 Months | 3.85% | $385 |
| 18 monthsTerm 18 Months | 3.65% | $552 |
| 24 monthsTerm 24 Months | 3.50% | $712 |
| 36 monthsTerm 36 Months | 3.50% | $1,087 |
| 48 monthsTerm 48 Months | 3.50% | $1,475 |
| 60 monthsTerm 60 Months | 3.50% | $1,877 |
Sources (2)
All captured Sep 19, 2026
IRA Certificate
Up to 3.85%APY · 8 terms
IRA Certificates earn dividends based on the term of the CD selected. Minimum opening balance of $1,000 is required to earn dividends. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm 90 Days | 2.65% | $66 |
| 6 monthsTerm 6 Months | 3.70% | $183 |
| 12 monthsTerm 12 Months | 3.85% | $385 |
| 18 monthsTerm 18 Months | 3.65% | $552 |
| 24 monthsTerm 24 Months | 3.50% | $712 |
| 36 monthsTerm 36 Months | 3.50% | $1,087 |
| 48 monthsTerm 48 Months | 3.50% | $1,475 |
| 60 monthsTerm 60 Months | 3.50% | $1,877 |
Sources (1)
- membersfirstga.com/rates/certificate-rates · captured Sep 19, 2026
Who can join MembersFirst 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 individuals who live or work in Bryan County, Chatham County, Cobb County, DeKalb County, Douglas County, Effingham County, Paulding County, or the City of Sandy Springs, GA.
Employers and groups
- Membership is open to employees, students, and members of select partner schools, businesses, healthcare facilities, and community organizations.
- Membership is open to employees of WellStar Health System and affiliated groups, Emory Healthcare Decatur, Piedmont Healthcare and affiliates, and St. Joseph's/Candler Healthcare.
Military, government and schools
- Membership is open to employees of Douglas County Board of Education, Paulding County Board of Education, and Savannah State University in Georgia.
Family and household
- Membership is open to family members of eligible individuals.
Membership information collected October 4, 2026.