Certificates

Take advantage of a time-tested way to grow your savings.

Put your money to work for months and years on end

Choose how long you want to save. Lock in a high Certificate rate. Then go ahead and work, play, enjoy friends and family and make the most of life. All the while, your safe, secure saving strategy will grow dollar by dollar, leading to a brighter financial future.

Special rate certificates

4.00% APY* for 7 months
  • Minimum deposit: $1,000 or $100 on Youth Account
  • Maximum deposit: $1,000,000
  • Money Requirement: Members can use new or current MACU funds
  • Renews as a regular 12-month certificate
  • Not offered on CESA certificates
 
3.75% APY* for 14 months
  • Minimum deposit: $1,000 or $100 on Youth Account
  • Maximum deposit: $1,000,000 
  • Money Requirement: Members can use new or current MACU funds
  • Renews as a regular 12-month certificate
  • Not offered on CESA certificates 


Rates for Certificate Specials are effective as of March 01, 2026 and subject to change without notice. 

*APY= Annual Percentage Yield. APY based on compounded dividends for an annual period. There may be a penalty for early withdrawal on certificate accounts. Fees could reduce earnings on these accounts. Dividends are calculated daily and paid monthly. For Youth Account certificates, the primary member must be under age 25 and have a Youth Share Account.  

 

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Certificate options

  • $1,000 minimum investment
  • Certificate lengths range from 6 months to years
  • Certificates feature higher rates than most standard savings accounts
  • In general, longer Certificate terms have the higher rates
  • Regular Certificates may also be held in Traditional or Roth IRAs, SEPs, and Health Savings Accounts 
  • There may be a penalty for early withdrawal on certificate accounts
  • Special one-year Certificates
  • Minimum opening deposit of just $100
  • Build up your balance with automatic transfers from other Mid American accounts - timed to your payday
  • Additional deposits must total at least $10 per month 
  • There may be a penalty for early withdrawal on certificate accounts
  • Special one-year Certificate helps young people (up to age 24) prepare for the future
  • Earns dividends at regular one-year Certificate rate
  • Minimum opening deposit of just $100
  • Make additional deposits of $50 or more at any time
  • The Preferred Youth Certificate is not available in IRAs
  • There may be a penalty for early withdrawal on certificate accounts
 
For Youth Account certificates, the primary member must be under the age of 25 and have a Youth Share Account.