Credit union · NCUA insured
MPS Credit Union CD Rates
MPS Credit Union’s best CD rate is 2.50% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How MPS Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where MPS Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MPS Credit Union
2.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $250
Share Certificates
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
MPS Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 MPS 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
Up to 2.50%APY · 8 terms
Dividends are paid quarterly and calculated on average monthly balance. Rates are subject to change at any time without notice. Early withdrawals subject to penalty. Renews automatically upon maturity. No setup or maintenance fees.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.25% | — | — | 2.25% | $56 |
| 6 months | 2.05% | — | — | 2.05% | $102 |
| 9 months | 2.15% | — | — | 2.15% | $161 |
| 9 monthsJumbo certificate tier | — | 2.25% | — | 2.25% | $168 |
| 9 monthsSuper Jumbo certificate tier | — | — | 2.50% | —2.50% from $25k | — |
| 12 months | 2.50% | — | — | 2.50% | $250 |
| 18 months | 2.50% | — | — | 2.50% | $377 |
| 24 months | 2.50% | — | — | 2.50% | $506 |
| 36 months | 2.50% | — | — | 2.50% | $769 |
| 60 months | 2.50% | — | — | 2.50% | $1,314 |
Special-purpose accounts
Youth Share Certificates
2.05%APY · 1 term
Available to young savers ages 17 and under. All youth accounts require an adult parent or guardian as a joint owner on the account. Minors may conduct transactions without joint owners present. Proof of address and social security number required when opening. Unlimited additional deposits may be made anytime during the term of the CD. Early withdrawals subject to penalty. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.05% | $102 |
Who can join MPS 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, works, or worships in Miami-Dade, Broward, Palm Beach, Monroe, Martin, or St. Lucie Counties.
Employers and groups
- Businesses located in Miami-Dade and Broward County can join the credit union.
Military, government and schools
- Membership is open to postal employees and retirees as well as Federal Government employees.
Family and household
- Membership is open to families of Federal Government employees.
- Immediate family members of credit union members are eligible to join regardless of where they live.
Cost to join
- Joining requires opening a Member Savings Account with a $5 deposit (representing a share in the Credit Union).
Membership information collected October 5, 2026.