Credit union · NCUA insured
Midwest Members Credit Union CD Rates
Top CarrotMidwest Members Credit Union’s best CD rate is 4.15% APY on a 27-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Midwest Members Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Midwest Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Midwest Members Credit Union
4.15%APY
- Term
- 27 months
- Minimum
- $1,000
- Earns on $10,000
- $958
Certificate Specials
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Midwest Members Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo2.17%
- QualifiedQualified4.15%
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 Members 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 Specials
Up to 4.15%APY · 4 terms
Rates effective as of 10/16/26. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months7 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 4.00% | $231 |
| 11 months11 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 4.05% | $371 |
| 17 months17 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 4.10% | $586 |
| 27 months27 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 4.15% | $958 |
Sources (2)
All captured Oct 16, 2026
Share Certificates (CDs)
Up to 2.17%APY · 9 terms
Rates effective as of 10/16/26. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day term. Early withdrawal may result in a penalty. Automatically renews at maturity | 0.05% | $1 |
| 6 months6 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 1.00% | $50 |
| 12 months12 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 1.71% | $171 |
| 18 months18 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 1.81% | $273 |
| 24 months24 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 1.92% | $388 |
| 30 months30 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 1.97% | $500 |
| 36 months36 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 2.02% | $618 |
| 48 months48 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 2.07% | $854 |
| 60 months60 Month term. Early withdrawal may result in a penalty. Automatically renews at maturity | 2.17% | $1,133 |
Sources (3)
- midmembers.org/accounts/saving…re-certificates-cds.html
- midmembers.org/learn/information/rates.html
- midmembers.org/accounts/savings
All captured Oct 16, 2026
Step-Up Certificate
1.92%APY · 1 term
Can step-up rate once during term. Early withdrawal may result in a penalty. All certificates automatically renew at maturity. Rates effective as of 10/16/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 32 months32 Month term. Can step-up rate once during term. Early withdrawal may result in a penalty. Automatically renews at maturity | 1.92% | $520 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate
Up to 2.17%APY · 7 terms
Traditional, Roth, or Educational options available. Dividends compound and paid monthly. Early withdrawal may result in penalties. All certificates automatically renew at maturity. Rates effective as of 10/16/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month term. Dividends compound and paid monthly. Early withdrawal may result in penalties. Automatically renews at maturity | 1.71% | $171 |
| 18 months18 Month term. Dividends compound and paid monthly. Early withdrawal may result in penalties. Automatically renews at maturity | 1.81% | $273 |
| 24 months24 Month term. Dividends compound and paid monthly. Early withdrawal may result in penalties. Automatically renews at maturity | 1.92% | $388 |
| 30 months30 Month term. Dividends compound and paid monthly. Early withdrawal may result in penalties. Automatically renews at maturity | 1.97% | $500 |
| 36 months36 Month term. Dividends compound and paid monthly. Early withdrawal may result in penalties. Automatically renews at maturity | 2.02% | $618 |
| 48 months48 Month term. Dividends compound and paid monthly. Early withdrawal may result in penalties. Automatically renews at maturity | 2.07% | $854 |
| 60 months60 Month term. Dividends compound and paid monthly. Early withdrawal may result in penalties. Automatically renews at maturity | 2.17% | $1,133 |
Senior Saver Certificate
1.71%APY · 1 term
60 or older only. No early withdrawal penalty if due to medical reasons. All certificates automatically renew at maturity. Rates effective as of 10/16/26.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months15 Month term. 60 or older only. No early withdrawal penalty if due to medical reasons. Automatically renews at maturity | 1.71% | $214 |
Sources (2)
All captured Oct 16, 2026
Who can join Midwest Members Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, or attends school in Madison County, IL.
Membership information collected October 5, 2026.