Certificate Accounts

Whether your goals are short or long term, we have the right Certificate to meet your needs. With a minimum opening balance of only $500 and terms available from 6-60 months, your money can work as hard as you do. Choose the certificate that meets your specific needs and enjoy the right solution for your money.

Earn Even More

Earn a .15% higher rate than our regular certificate yield when you invest $100,000 or more, and a .05% higher rate than our regular certificate yield when you invest $50,000 or more. As with any certificate, there is a penalty for early withdrawal.

Step-Up Certificates

When rates increase, your interest earned can too. The MemberSource 12-month Step-Up Certificate allows you the unique opportunity to "step-up" your earnings one time during the certificate term if there's an increase in rates. What's more, your rate will never fall below the original rate at which you opened your account.

100% Secure

In addition to the satisfaction of making a smart money management decision, you'll enjoy the safety and security of a MemberSource investment because your deposits are fully insured up to $500,000. The first $250,000 is covered by the NCUA, an agency of the federal government and $250,000 by Excess Share Insurance.