Rates
Special Certificate Promotion
APY
Special Certificate Promotion
5-Month Certificate
$100 Minimum Deposit4.00%
11-Month Certificate
$100 Minimum Deposit3.75%
Certificate Amounts
APY
Certificate Amounts
$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%
Certificate Amounts
APY
Certificate Amounts
$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%
Dividends are paid at the end of the month to the deposit account of your choosing.
Special Certificate Promotion
APY
Special Certificate Promotion
5-Month Certificate
$100 Minimum Deposit4.00%
11-Month Certificate
$100 Minimum Deposit3.75%
Certificate Amounts
APY
Certificate Amounts
$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%
Dividends are paid at the end of the month to the deposit account of your choosing.
Limited-Time Certificate Specials*
Earn a rate of 4.00% APY* for 5 monthsor 3.75% APY* for 11 months
Features
Low Opening Deposit
Open your account with a $100 minimum opening deposit
Monthly Dividends
Get up to 4.00% 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 Dividends
Dividends are 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
- Visit your nearest Members 1st branch or if you an existing member, call us at (530) 222-6060 or (800) 303-3838
- Choose your desired term and APY
- Deposit money to fund your certificate
- Download the mobile app to track your savings progress
Certificate Calculator
Enter an amount to compare different savings options and explore the potential dividends you could earn.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 July 18, 2025. 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.