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Certificates of Deposit

Earn more on your money with a Certificate Account. We offer a wide array of Certificate options, one for nearly every investor. A minimum deposit of $1000 is required to open any Certificate Account.

Certificates are offered in 6 to 42-month terms. Dividends may be transferred to a Checking or Savings account; withdrawn without penalty at Certificate maturity; and/or automatically mailed to you in a monthly check form.

For more information, contact our Member Service Center at 901-321-1200 or toll-free 877-825-3180.

APY = Annual Percentage Yield. See current Fee Schedule for early withdrawal penalties. Fees could reduce earnings.


Small trees growing on top of coin stacks.Certificate of Deposit Special Offer!

  • 11 Month CD at 1.50% APY*
  • Minimum Deposit $1,000
  • Maximum Deposit $50,000
Take advantage of our Limited Time Offer. Rate effective May 2, 2022. Call us at 901-321-1200 or visit our Avery, Mt. Moriah, Whitten, or Stage Road Branch. *APY = Annual Percentage Yield. All MCECU Certificates are subject to eligibility, address and identification verification, and qualification.
Contact us for details on rate, terms, penalties, and conditions that may apply. We will or may impose a 60 day early withdrawal penalty if you withdraw funds from the principal prior to the CD maturity date.

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