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Share Certificates

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 are subject to penalty for early withdrawals.

Share Certificates
Effective Date: 05/01/2019
TermAPY*Minimum Amount
91 Days 0.75% $2,500
182 Days 0.95% $2,500
365 Days 2.00% $2,500
18 Months 2.10% $5,000
24 Months 2.25% $5,000
30 Months 2.35% $5,000
36 Months 2.65% $5,000
48 Months 2.95% $5,000
60 Months 3.15% $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 CD - all interest accrued penalty. 1 to 2.5 years CD - 6 months of interest accrued penalty. 3-5 years CD - 9 months of interested accrued penalty.
*Annual Percentage Yield


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Michigan Educational Credit Union,
9200 Haggerty Road Plymouth, MI 48170
Dedicated to serving the financial needs of our community since 1942.
National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration
We do business in accordance with the Fair Housing Law
Equal Housing Lender