Certificate Rates

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Bump-up option available on terms 24 months or longer. The Bump-up option allows you to increase your rate during the term ONE time to the current rate, not to exceed an increase of 1/2 percent. You will earn the higher rate for the remaining term of the certificate.

All Mill City Credit Union certificates will automatically renew, unless otherwise stated. Penalties apply for withdrawal prior to maturity date. For Certificates opened after January 1, 2012 the penalty is 90 days dividends on terms less than 12 months; 180 days dividends on a 12 month term; and 365 days dividends on terms more than 12 months.

Regular Certificates Minimum Balance Rate APY
6 Months $1,000 0.20% 0.20%
- $25,000 0.25% 0.25%
- $100,000 0.30% 0.30%
12 Months $1,000 0.30% 0.30%
- $25,000 0.35% 0.35%
- $100,000 0.40% 0.40%
24 Months $1,000 0.45% 0.45%
- $25,000 0.50% 0.50%
- $100,000 0.55% 0.55%
36 Months $1,000 0.60% 0.60%
- $25,000 0.65% 0.65%
- $100,000 0.70% 0.70%
48 Months $1,000 0.80% 0.80%
- $25,000 0.85% 0.85%
- $100,000 0.90% 0.90%
60 Months $1,000 1.19% 1.20%
- $25,000 1.29% 1.30%
- $100,000 1.39% 1.40%

Bump-up option available on terms 24 months or longer. The Bump-up option allows you to increase your rate during the term ONE time to the current rate, not to exceed an increase of 1/2 percent. You will earn the higher rate for the remaining term of the certificate.

All Mill City Credit Union certificates will automatically renew, unless otherwise stated. Penalties apply for withdrawal prior to maturity date. For IRA Certificates opened after January 1, 2012 the penalty is 180 days dividends on a 12 month term and 365 days dividends on terms more than 12 months.

IRA Certificates Minimum Balance Rate APY
12 Months $1,000 0.30% 0.30%
- $25,000 0.35% 0.35%
- $100,000 0.40% 0.40%
24 Months $1,000 0.45% 0.45%
- $25,000 0.50% 0.50%
- $100,000 0.55% 0.55%
36 Months $1,000 0.60% 0.60%
- $25,000 0.65% 0.65%
- $100,000 0.70% 0.70%
48 Months $1,000 0.80% 0.80%
- $25,000 0.85% 0.85%
- $100,000 0.90% 0.90%
60 Months $1,000 1.19% 1.20%
- $25,000 1.29% 1.30%
- $100,000 1.39% 1.40%

Rates effective April 19, 2017