Certificates

Put your money to work for you.

Estimate Your Earnings   ➤

Mill City CU offers competitive certificate rates for a variety of terms. Your certificates will pay interest periodically and you elect whether to compound the dividends for maximum yield, or to receive your quarterly dividends in the form of a check or deposit into your account. A minimum investment of $1,000 is required and early withdrawal penalties apply.

You work hard for your money. It’s time your money worked for you. Certificates are ideal if you are looking for a fixed rate, low-risk investment.

Open a certificate today online!

  • Current Members – log in to Virtual Branch, Self Service. Choose “Certificate of Deposit Application”
  • Potential Members – purchase a certificate as you open your initial account.

If you have your Certificates with another financial institution, compare the rates and move to Mill City CU. Check our certificate rates today or call 800-284-6328 for more information.

On certificates with a term of 24 months or longer, we offer a Step-up option. The Step-up option allows you to increase your rate during the term of the certificate 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.