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.

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®