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Savings plant and coins
We now offer both a 12-month IRA Certificate and a Share Certificate at 4.00% APY*
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With a high rate of return on one of our shortest-term share certificates, Member One can help you put your money to work with minimal commitment. Both 12-month certificates offer 4.00% APY* with a minimum balance of just $1,000.*

How Can I Open One?

Member One offers three ways to open a share certificate:

  1. From our website. Just log into your Online Banking account, hover over Additional Services and click Open a Deposit/Loan Account. When the new window opens, click Existing Member Account, then click Certificate Account and then add the "+" sign next to the 12-month Certificate and complete the process.
  2. Visit one of our 15 retail center locations.
  3. Already a member and have the funds in your Member One accounts? Just call 800.666.8811 and one of our Contact Center team members can assist you.

To open an IRA Certificate, you'll need to visit visit one of our 15 retail center locations.

This Share Certificate and IRA Certificate offer amazing benefits!

Top-of-market return on your investment
Start with as little as $1,000
Federally insured up to $250,000
Maturation in just 12 months
An IRA Certificate has your money grow on a tax-deferred basis**
Your money grows at a rate not dependent on market fluctuations

How Does Your Rate Compare to Other Credit Unions and Banks?

We want you to know you're getting the most savings with us, so we've done the research for you! We've even linked out to our competitor's websites so you know our Share Certificate is the best out there!

Competitor Rates as of November 22, 2023

Here are the answers to some common questions you may have about Share Certificates:

This particular product really is second-to-none in offering low risk, as far as term, and top-tier return. Planning ahead for a dream vacation, college tuition, or something else on the horizon? This could be the financial solution for you! Due to their high rate of return, they also work wonderfully as short-term savings solutions. They work best for those who, because of the withdrawal penalty, can be without that money until the share certificate has matured.

It's important to note that you once you make your initial deposit, if you access that money before the certificate matures, you won't receive all the interest you've earned on that investment. Before opening a Share Certificate, take a look at what other investment and savings options Member One has to offer!

Simply put, not much. Credit unions issue Share Certificates to their members, while banks issue certificates of deposit (CDs) . Share Certificates are insured up to $250,000 by the National Credit Union Administration (NCUA), while CDs are insured up to the same amount by a different institution. Both are great, low-risk ways to save for big upcoming purchases. With such a high, guaranteed rate of return, they also serve as great short-term investments.

Here are the answers to some common questions you may have about IRA Certificates:

It's a combination between a Share Certificate and an IRA. You get the low-risk benefits of a Share Certificate, combined with the tax benefits of an IRA.

Yes, investing in an IRA counts towards your total annual IRA contribution limit, which is set by the IRS.

*APY means Annual Percentage Yield. 12-month rate effective as of 2/1/2023. Rate applies only to new IRA certificates and share certificates and is subject to change at account renewal. The disclosed dividend rate is subject to a $1,000 minimum balance. A penalty may be imposed for early withdrawals and fees may reduce earnings. Other restrictions may apply. This promotion is subject to change or end at any time. Membership eligibility required. Federally insured by NCUA.

** You may wish to consult a licensed tax advisor to discuss specific needs.

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