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Share Certificates

Do more with your savings

Get up to 1.75% APY with dividends paid monthly

Apply Now

Share Certificates

Do more with your savings

Get up to 1.75% APY with dividends paid monthly

Apply Now

Share Certificates earn higher interest on money you don’t need to access for periods of 6-36 months. With a low minimum opening deposit and flexible terms, a Share Certificate is a great way to build a savings goal or make the most of excess funds.

Rates

Certificate Amounts

APY

Certificate Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

Certificate Amounts

APY

Certificate Amounts

APY

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.50%

0.65%

0.75%

0.85%

0.90%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.55%

0.70%

0.75%

0.90%

0.95%

Special Certificate Promotion

APY

Special Certificate Promotion

APY

7-Month Certificate

$100 Minimum Deposit Apply Now

1.00%

15-Month Certificate

$100 Minimum Deposit Apply Now

1.75%

Interest is paid at the end of the month to the certificate or to a savings/flex checking account.
*May be subject to penalty for early withdrawal

Certificate Amounts

APY

Certificate Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.45%

0.60%

0.70%

0.80%

0.85%

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.50%

0.65%

0.75%

0.85%

0.90%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

0.55%

0.70%

0.75%

0.90%

0.95%

Interest is paid at the end of the month to the certificate or to a savings/flex checking account.
*May be subject to penalty for early withdrawal

Special Certificate Promotion

APY

Special Certificate Promotion

APY

7-Month Certificate

$100 Minimum Deposit Apply Now

1.00%

15-Month Certificate

$100 Minimum Deposit Apply Now

1.75%

Earn a rate of 1.75% APY* for 15 months or 1.00% APY* for 7 months

Get this limited-time certificate rate.
Apply Now

Offer available for a limited time and subject to change. $100 minimum deposit. Penalty imposed for early withdrawal.

Features

Low Opening Deposit

Open your account with a $100 minimum opening deposit

Monthly Interest

Get up to 1.75% APY with dividends paid monthly

Flexible Terms

Choose your desired term from 6 to 36 months

Federally Insured

Your funds are federally insured by the NCUA up to applicable limits

Flexible Interest

Interest can be deposited to your certificate, share, or checking account

24/7 Access

Enjoy unlimited access to your account via online banking or the app

How to Open a Certificate

  1. Visit your nearest Members 1st branch or if you an existing member, call us at (530) 222-6060 or (800) 303-3838
  2. Choose your desired term and APY
  3. Deposit money to fund your certificate
  4. Download the mobile app to track your savings progress

Sample Certificate Growth

The sample graph below is based on 0.35% APY on a $5,000 certificate and monthly compounded interest

Renewals

Set your certificate to renew automatically upon maturity or renew online, at a Members 1st branch, or by calling (530) 222-6060 or (800) 303-3838. If you choose to not renew your Share Certificate, the funds will be deposited into your Members 1st Savings account
Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now

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