You have worked hard to earn your money, now put your money to work for you. Invest your money in a certificate and earn higher dividends while having peace of mind that your money is safe and secure.

  • 3-60 month terms available with fixed, competitive interest rates
  • Earns higher dividends than a savings account - Click for rate information
  • Automatically renewable
  • Dividends compound monthly
  • $500 minimum deposit at account opening
  • Open a new certificate totally online through your digital banking account or from the palm of your hand on the CMCU mobile app


Calculate Your Certificate Earnings

Deposit Amount:
Annual Interest Rate:
Number of Months:
Compounding Interval:
Future Value:
Interest Earned:
Annual Percentage Yield (APY):

*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. CMCU certificates are compounded monthly.

Certificate vs. Savings

What savings method is best for you?

Choose a Certificate if...

  • You want to lock in a great rate for a set period of time
  • You're OK with not accessing your money for that set period of time
  • You understand there's a withdrawal fee if you do need to withdraw funds
  • You're ready to earn more interest than a regular savings account

Choose a Savings account if...

  • You want the ability to access your funds without an early-withdrawal fee
  • You're OK with a lower interest rate
  • You want to use the account for Overdraft Protection on your checking account
Earn more interest with certificates


Need help applying?

Learn how to set up a video banking call with a CMCU team member

Get Started
Personal Savings

Personal Savings

Check out the variety of savings accounts CMCU has to offer. Plus get started easily by applying totally online.

Learn More
Youth Savings

Youth Savings

Kids can start saving while earning prizes with each birthday and deposit! Learn more about kids savings accounts.

Learn More
Health Savings Accounts

Health Savings

Save for health expenses while earning tax-free dividends. Now earn even more money with no service fee!

Learn More


Plan for retirement with IRA accounts and other retirement planning accounts. Open an account or work with an advisor.

Learn More


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  • 21 convenient branch locations.
  •  Online and mobile banking
  •  24,000 ATM locations nationwide
  • Award-winning institution
  •  Low interest rates on loans
  •  High interest rates on savings
  •  Free checking

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