Share Certificates

Why Save at MVFCU?

Share Certificates are a safe way for you to earn an excellent, guaranteed return on your investment dollar.  We offer certificates in terms ranging from three months to five years (a minimum deposit amount is required for all certificates).  

CLICK HERE to view current savings rates.

Market Index Certificate

Investing in the stock market gives you the potential for higher returns -- if you are in a position to take the risk. Share accounts and CDs are safe and secure -- but you may sacrifice some earnings. A Market Index Certificate blends the best of both worlds and offers the potential for higher returns without risk to your initial deposit.

This insured credit union certificate pays dividends based on the Dow Jones Industrial Average.  If the DJIA is higher on the day your certificate matures than on the day it was established, you earn a percentage of the increase.  If it’s lower, you won’t earn  dividends but your initial deposit will be returned in full. It gives you the potential for stock market-like returns, with no risk to your principal.

Find out more about the Market Index Certificate’s unique blend of low risk and high potential reward. Call Minnesota Valley at 507-387-3055.

Triple Play Certificates

The Triple Play Certificate offers you a unique flexibility. This certificate gives you three options to be made once during the life of the certificate.

1. Deposit up to 30% to principal

2. Withdraw up to 30% of principal

3. Increase to a higher rate

Individual Retirement Account (IRA) Certificates

An IRA Certificate is another alternative to prepare for your long term financial goals.  This certificate offers higher dividend rates, but with the same advantages of an IRA Account.  When you place your money in a certificate it is on deposit for a specific period of time ranging from twelve months to 48 months.  The money must remain on deposit for the agreed term in order to earn the stated dividend.

IRA Certificates require a $500 minimum opening deposit.  Dividends paid monthly.  Early withdrawal penalties may reduce earnings.



Share Insurance

Your accounts are federally insured by the National Credit Union Administration.  Determine how to structure your accounts to include joint accounts, payable upon death accounts, and others to receive greater coverage than the $250,000 that is NCUA's standard maximum share insurance amount.

Certificate Ladder Calculator

Use this calculator to examine the benefits of investing in a series of certificates with different maturities, also called a certificate ladder.  With a certificate ladder, you can benefit from higher interest rates for longer maturities, while achieving better liquidity, rather than investing in a single long-term certificate.  CD LADDER CALCULATOR


It Pays to Bank Where You’re Part Owner®