Credit union · NCUA insured
Mutual Credit Union CD Rates
Mutual Credit Union’s best CD rate is 4.25% APY on an 8-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Mutual Credit Union’s CD rates compare
Compared with banks and credit unions near Jackson, MS, where Mutual Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mutual Credit Union
4.25%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $281
Certificate Specials
Top rate
Veritas Federal Credit Union
4.35%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $398
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
Mutual Credit Union CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo0.75%
- 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 Mutual 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 4.25%APY · 3 terms
Promotional Annual Percentage Yields (APY) are available for new money only. IRA CDs are not eligible for certificate specials. Early withdrawals subject to penalty (loss of 30 days interest for 8 and 12 month certificates; loss of 90 days interest for 18 month certificates). Dividend rate for renewed term determined at maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 30 days interest. IRA CDs not eligible | 4.25% | $281 |
| 12 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 30 days interest. IRA CDs not eligible | 3.75% | $375 |
| 18 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 90 days interest. IRA CDs not eligible | 3.00% | $453 |
Sources (1)
- mutualcu.org/personal/certificates-money-market · captured Sep 19, 2026
Certificates
Up to 0.75%APY · 9 terms
Promotional Annual Percentage Yields (APY) are available for new money only. Early withdrawals are subject to penalties (3, 6, and 12 month certificates subject to loss of 30 days interest; 18, 24, and 30 month certificates subject to loss of 90 days interest). Dividend rate for renewed term determined at maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 30 days interest | 0.15% | $4 |
| 6 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 30 days interest | 0.15% | $7 |
| 8 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open | 0.25% | $17 |
| 12 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 30 days interest | 0.35% | $35 |
| 18 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 90 days interest | 0.40% | $60 |
| 24 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 90 days interest | 0.50% | $100 |
| 30 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open. Early withdrawal penalty: loss of 90 days interest | 0.60% | $151 |
| 36 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open | 0.70% | $211 |
| 48 monthsPromotional APY available for new money only. Requires $1,000 minimum balance to open | 0.75% | $303 |
Sources (1)
- mutualcu.org/personal/certificates-money-market · captured Sep 19, 2026
Special-purpose accounts
IRA Share Certificates (CDs)
Up to 0.75%APY · 7 terms
Traditional and Roth IRA options available. $10 annual maintenance fee applies. Substantial penalty for early withdrawals under federal/IRS regulations (3, 6, and 12 month certificates subject to loss of 30 days interest; 18, 24, and 30 month certificates subject to loss of 90 days interest). Deposits must remain in IRA until age 59 1/2 or tax penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: loss of 30 days interest. Subject to IRS regulations and early withdrawal penalties | 0.15% | $7 |
| 12 monthsEarly withdrawal penalty: loss of 30 days interest. Subject to IRS regulations and early withdrawal penalties | 0.35% | $35 |
| 18 monthsEarly withdrawal penalty: loss of 90 days interest. Subject to IRS regulations and early withdrawal penalties | 0.40% | $60 |
| 24 monthsEarly withdrawal penalty: loss of 90 days interest. Subject to IRS regulations and early withdrawal penalties | 0.50% | $100 |
| 30 monthsEarly withdrawal penalty: loss of 90 days interest. Subject to IRS regulations and early withdrawal penalties | 0.60% | $151 |
| 36 monthsSubject to IRS regulations and early withdrawal penalties | 0.70% | $211 |
| 48 monthsSubject to IRS regulations and early withdrawal penalties | 0.75% | $303 |
Sources (1)
- mutualcu.org/personal/ira · captured Sep 19, 2026
Who can join Mutual 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, worships, volunteers, or attends school within the credit union's designated service area across counties and parishes in Mississippi, Alabama, Louisiana, Arkansas, and Tennessee.
Cost to join
- Members can join the credit union with as little as $15.
Membership information collected October 4, 2026.