Earn greater dividends with little effort when you commit to saving for a set period of time. A Certificate of Deposit (CD) is a good way to set money aside for specific goals or long term savings, because you’ll earn a higher rate and there’s no risk of losing your investment.

Our CDs feature premium fixed rates so you can watch the returns add up.

  • Minimum to open: $1,000
  • Terms from 6 months to 5 years
  • No service fees
  • Competitive interest rates

You can open any certificate as an IRA Certficate.


Current Rates

CD TermDividend Rate*APY*
Six month0.50%0.50%
One year0.90%0.90%
Two years1.10%1.11%
Three years1.25%1.26%
Four years1.75%1.76%
Five years2.00%2.02%


Visit an MCT branch to open your CD. If you aren’t a member yet, you’ll need to establish your membership with a Membership Share Savings Account. To learn more, please call us at 409-727-1446 or 800-846-1751 or visit a branch.