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Share Certificates

Do more with your savings

Get up to 4.00% APY with dividends paid monthly

Apply Now

Share Certificates

Do more with your savings

Get up to 4.00% 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

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1.70%

1.85%

1.95%

2.05%

2.10%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

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1.75%

1.90%

2.00%

2.10%

2.15%

Certificate Amounts

APY

Certificate Amounts

APY

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

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1.80%

1.95%

2.05%

2.15%

2.20%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

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1.85%

2.00%

2.10%

2.20%

2.25%

Special Certificate Promotion

APY

Special Certificate Promotion

APY

7-Month Certificate

$100 Minimum Deposit
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3.50%

15-Month Certificate

$100 Minimum Deposit
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4.00%

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

1.70%

1.85%

1.95%

2.05%

2.10%

$2,500-$24,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

1.75%

1.90%

2.00%

2.10%

2.15%

$25,000-$99,999

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

1.80%

1.95%

2.05%

2.15%

2.20%

$100,000+

6 Months

12 Months

18 Months

24 Months

36 Months

Apply Now

1.85%

2.00%

2.10%

2.20%

2.25%

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

3.50%

15-Month Certificate

$100 Minimum Deposit
Apply Now

4.00%

Earn a rate of 4.00% APY* for 15 months or 3.50% 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 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 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

Certificate Calculator

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

Your interest earned will be

RateInterestBalance
6 Months1.687%$0.00$0.00
12 Months1.834%$0.00$0.00
18 Months1.933%$0.00$0.00
24 Months2.031%$0.00$0.00
36 Months2.08%$0.00$0.00
Promo - 7-Month Certificate3.445%$0.00$0.00
Promo - 15-Month Certificate3.928%$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
Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now

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