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Share Certificates

Do more with your savings

Get up to 4.50% APY with dividends paid monthly

Apply Now

Share Certificates

Do more with your savings

Get up to 4.50% 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

Special Certificate Promotion

APY

Special Certificate Promotion

APY

7-Month Certificate

$100 Minimum Deposit

4.50%

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Certificate Amounts

APY

Certificate Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

2.70%

2.85%

2.95%

3.05%

3.10%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.75%

2.90%

3.00%

3.10%

3.15%

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Certificate Amounts

APY

Certificate Amounts

APY

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.80%

2.95%

3.05%

3.15%

3.20%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

2.85%

3.00%

3.10%

3.20%

3.25%

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Interest is paid at the end of the month to the deposit account of your choosing.

Special Certificate Promotion

APY

Special Certificate Promotion

APY

7-Month Certificate

$100 Minimum Deposit

4.50%

Apply Now

Certificate Amounts

APY

Certificate Amounts

APY

$100-$2,499

6 Months

12 Months

18 Months

24 Months

36 Months

2.70%

2.85%

2.95%

3.05%

3.10%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.75%

2.90%

3.00%

3.10%

3.15%

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

2.80%

2.95%

3.05%

3.15%

3.20%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

2.85%

3.00%

3.10%

3.20%

3.25%

Interest is paid at the end of the month to the deposit account of your choosing.

Limited-Time Certificate Specials*

4.50% APY* for 7 months
Apply Now

Features

Low Opening Deposit

Open your account with a $100 minimum opening deposit

Monthly Interest

Get up to 4.50% 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 is paid at the end of the month to the deposit account of your choosing.

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

Certificate Calculator

Enter an amount to compare your savings options and see how much interest you could earn.

Your interest earned will be

Rate Calculator Interest Earned Table
RateInterestBalance
6 Months2.667%$0.00$0.00
12 Months2.813%$0.00$0.00
18 Months2.911%$0.00$0.00
24 Months3.008%$0.00$0.00
36 Months3.057%$0.00$0.00
Promo - 7-Month Certificate4.41%$0.00$0.00

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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

*Annual Percentage Yield (APY) is accurate as of January 01, 2024. The dividend rate and APY may change at any time. Dividends are paid monthly. The APY is based on an assumption that dividends will remain in the account until maturity. Any fees, withdrawals or transfers reduces earnings and there may be penalties for early withdrawal. The minimum deposit for all certificates is $100. There is no minimum daily balance requirement to obtain the APY.

Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now

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