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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 month0.85%0.85%
One year1.05%1.06%
Two years1.30%1.31%
Three years1.50%1.51%
Four years1.80%1.82%
Five years2.05%2.07%


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.