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

3.90% APY* for 7 months
  • Minimum deposit: $1,000
  • Maximum deposit: $1,000,000
  • Renews as 12-month certificate
  • Not offered on CESA Certificates
 
4.20% APY* for 14 months
  • Minimum deposit: $1,000
  • Maximum deposit: $1,000,000
  • Renews as 12-month certificate
  • Not offered on CESA Certificates
 
4.00% APY* for 33 months
  • Minimum deposit: $1,000
  • Maximum deposit: $1,000,000 
  • Renews as 36-month certificate
  • Not offered on CESA or Youth Certificates


Rates for Certificate Specials are effective as of April 14 2025 and subject to change without notice.

*APY=Annual Percentage Yield. There may be a penalty for early withdrawal on certificate accounts. Fees could reduce earning on these accounts. Dividends are calculated daily and paid monthly.

 

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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
  • If you withdraw funds before the Certificate matures, you could forfeit some of your dividend earnings. But your initial investment is never at risk.
  • 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
  • If you withdraw funds before the Certificate matures, you could forfeit some of your dividend earnings. But your initial investment is never at risk.
  • 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
  • If you withdraw funds before the Certificate matures, you could forfeit some of your dividend earnings. But your initial investment is never at risk.