Credit union · NCUA insured
MembersOwn Credit Union CD Rates
Top CarrotMembersOwn Credit Union’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How MembersOwn Credit Union’s CD rates compare
Compared with banks and credit unions near Lincoln, NE, where MembersOwn Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MembersOwn Credit Union
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
Share Certificate
Top rate
Cornhusker Bank
4.46%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,907
2nd-highest rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
MembersOwn Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo1.10%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.75%
- QualifiedQualified3.75%
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 MembersOwn 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 Certificate
Up to 3.75%APY · 5 terms
Share certificates have a $1,000 minimum balance (unless otherwise noted) and early withdrawal penalty. All dividends (interest) are earned and posted at the end of each calendar month.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 1.10% | — | 1.10% | $55 |
| 12 months | 1.50% | — | 1.50% | $150 |
| 12 months12-month Share Certificate special ($5,000 minimum) | — | 3.75% | 3.75% | $375 |
| 24 months | 1.50% | — | 1.50% | $302 |
| 36 months | 1.75% | — | 1.75% | $534 |
| 48 months | 1.75% | — | 1.75% | $719 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 1.75%APY · 5 terms
Share certificates have a $1,000 minimum balance (unless otherwise noted) and early withdrawal penalty. All dividends (interest) are earned and posted at the end of each calendar month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.10% | $55 |
| 12 months | 1.50% | $150 |
| 24 months | 1.50% | $302 |
| 36 months | 1.75% | $534 |
| 48 months | 1.75% | $719 |
Sources (2)
All captured Oct 5, 2026
Who can join MembersOwn Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live in Southeast Nebraska are eligible for membership.
- Persons who attend school in Southeast Nebraska are eligible for membership.
- Persons who work in Southeast Nebraska are eligible for membership.
- Persons who worship in Southeast Nebraska are eligible for membership.
Employers and groups
- Persons who belong to an organization in Southeast Nebraska are eligible for membership.
Membership information collected October 4, 2026.