When you commit to saving money for a specific period of time, you can earn higher dividend rates with a Share Certificate from MTC Federal Credit Union! Share Certificates are a smart way to grow your savings plan and they can be a great option if you’re helping a child or young adult save for their future.
For both types of Share Certificates, dividends are compounded and credited quarterly.
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Quarterly Posted Dividend Certificates
| Term (Months) | Compound Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 11 | 4.75% | 4.84% |
You don’t need a lot of money or time to take advantage of our Share Certificates! With a low opening deposit requirement and terms as short as just a few months, we make it easy to get started.
Quarterly Posted Dividend Certificates
| Term (Months) | Compound Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 3 | 3.95% | 4.01% |
| 6 | 3.95% | 4.01% |
| 12 | 3.95% | 4.01% |
| 18 | 3.55% | 3.60% |
| 24 | 3.55% | 3.60% |
| 30 | 3.55% | 3.60% |
| 36 | 3.55% | 3.60% |
| 48 | 3.55% | 3.60% |
| 60 | 3.80% | 3.85% |
Earn big rewards on big balances. A Share Plus Certificate guarantees you an even higher rate of return when you save a larger amount of money.
Quarterly Posted Dividend Certificates
| Term (Months) | Compound Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 3 | 4.15% | 4.22% |
| 6 | 4.15% | 4.22% |
| 12 | 4.15% | 4.22% |
| 18 | 3.75% | 3.80% |
| 24 | 3.75% | 3.80% |
| 30 | 3.75% | 3.80% |
| 36 | 3.75% | 3.80% |
| 48 | 3.75% | 3.80% |
| 60 | 4.00% | 4.06% |
To open a Share Certificate with MTC Federal Credit Union, you must be a credit union member. Learn more. If you have questions or are ready to open a Share Certificate, please contact us at 800-442-7792, use the Open an Account form, or visit a branch near you