Earn A Higher Rate Without A Higher Risk
Reap the benefits of a higher annual percentage yield than you're currently earning on a regular savings account. With as little as $2,500, you can earn a higher rate of return with a Michigan Educational Credit Union Share Certificate.
Our Share Certificates feature:
- Terms of 3 to 60 months
- Terms up to 12 months require a minimum of $2,500
- Terms of 18 months and longer require a minimum of $5,000
- Available with a compounding or non-compounding option
- Individual Retirement Account (IRA) Certificates also available
- Federally insured
Share Certificates
Effective Date: 12/01/2024
| Term | APY* | Minimum Amount |
|---|---|---|
| 91 Days | 1.80% | $2,500 |
| 182 Days | 4.30% | $2,500 |
| 365 Days | 4.00% | $2,500 |
| 18 Months | 3.50% | $5,000 |
| 24 Months | 3.35% | $5,000 |
| 30 Months | 3.35% | $5,000 |
| 36 Months | 3.40% | $5,000 |
| 48 Months | 3.50% | $5,000 |
| 60 Months | 3.80% | $5,000 |
| Rates are subject to change at any time without notice. Please call for the most current rates. A penalty will be imposed for early withdrawal. 3 months and 6 months Share Certificate - all interest accrued penalty. 1 to 2.5 years Share Certificate - 6 months of interest accrued penalty. 3-5 years Share Certificate - 9 months of interest accrued penalty. *Annual Percentage Yield | ||
Share Certificates are subject to penalty for early withdrawals.
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