Credit union · NCUA insured
Midwest Coalition of Labor Credit Union (MCL) CD Rates
Top CarrotMidwest Coalition of Labor Credit Union (MCL)’s best CD rate is 3.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Midwest Coalition of Labor Credit Union (MCL)’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Midwest Coalition of Labor Credit Union (MCL) has the most branches. $10,000, best rate first.
This credit union’s best
Midwest Coalition of Labor Credit Union (MCL)
3.50%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $712
24 Month CD
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
Midwest Coalition of Labor Credit Union (MCL) CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Midwest Coalition of Labor Credit Union (MCL) 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.
12 Month CD
Up to 3.25%APY · 1 term
Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsMinimum deposit $1,000 | 2.50% | — | — | 2.50% | $250 |
| 12 monthsMinimum deposit $10,000 | — | 3.25% | — | 3.25% | $325 |
| 12 monthsMinimum deposit $50,000 | — | — | 3.75% | —3.75% from $50k | — |
Sources (1)
- mclcu.org/wp-content/uploads/2…ed-Rate-Sheet-9.1.26.pdf · captured Sep 17, 2026
24 Month CD
Up to 3.50%APY · 1 term
Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 monthsMinimum deposit $1,000 | 2.75% | — | — | 2.75% | $558 |
| 24 monthsMinimum deposit $10,000 | — | 3.50% | — | 3.50% | $712 |
| 24 monthsMinimum deposit $50,000 | — | — | 3.75% | —3.75% from $50k | — |
Sources (1)
- mclcu.org/wp-content/uploads/2…ed-Rate-Sheet-9.1.26.pdf · captured Sep 17, 2026
36 Month CD
Up to 3.50%APY · 1 term
Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 monthsMinimum deposit $1,000 | 2.75% | — | — | 2.75% | $848 |
| 36 monthsMinimum deposit $10,000 | — | 3.50% | — | 3.50% | $1,087 |
| 36 monthsMinimum deposit $50,000 | — | — | 3.75% | —3.75% from $50k | — |
Sources (1)
- mclcu.org/wp-content/uploads/2…ed-Rate-Sheet-9.1.26.pdf · captured Sep 17, 2026
6 Month CD
Up to 3.25%APY · 1 term
Rates on all certificates are subject to change monthly. Ninety (90) day interest penalty on redeeming any certificate before maturity. May be subject to penalty and taxation.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsMinimum deposit $1,000 | 2.50% | — | — | 2.50% | $124 |
| 6 monthsMinimum deposit $10,000 | — | 3.25% | — | 3.25% | $161 |
| 6 monthsMinimum deposit $50,000 | — | — | 3.50% | —3.50% from $50k | — |
Sources (1)
- mclcu.org/wp-content/uploads/2…ed-Rate-Sheet-9.1.26.pdf · captured Sep 17, 2026
Who can join Midwest Coalition of Labor Credit Union (MCL)
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Union members in good standing or employees of a union included in the Midwest Coalition of Labor (MCL) are eligible for membership.
- Members or employees associated with Teamsters Local 731 are eligible for membership.
Family and household
- Immediate family members of eligible union members or union employees are eligible for membership.
Cost to join
- Each member must open a savings account with an initial deposit of at least $100.00, which purchases one share of the credit union.
Membership information collected October 5, 2026.