Share & IRA Certificate Rates
Invest safely in our fixed-rate Share and IRA Certificate options.
Use our calculators to estimate your savings with Share and IRA Certificates.
Interested in a Rate Match? See details at the bottom of this page.
Rates effective October 1, 2025.
| Share & IRA Certificate Terms |
Rate Type | Minimum Opening Balance | Minimum Earning Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|---|---|
| 6 Months | Fixed | 1,000 | $1,000 | 0.723% | 0.725% |
| 12 Months | Fixed | $1,000 | $1,000 | 0.995% | 1.00% |
| 24 Months | Fixed | $1,000 | $1,000 | 1.094% | 1.10% |
| 36 Months | Fixed | $1,000 | $1,000 | 1.193% | 1.20% |
| 48 Months | Fixed | $1,000 | $1,000 | 1.292% | 1.30% |
| 60 Months | Fixed | $1,000 | $1,000 | 1.292% | 1.40% |
RATE MATCH ALERT – Find a better rate somewhere else? MEFCU will match rates.* Call or visit us today!
This Dividend Rate Schedule discloses rates applicable to all share deposit accounts offered by Members Exchange Federal Credit Union. Supplied as a supplement to the Truth-in-Savings Disclosure, it reflects updates regarding minimum par values as well as minimum dividend earning balances associated with the deposit account types listed. For the purpose of this disclosure, the dividend rate and annual percentage stated for the term accounts listed were accurate as of the above date. A penalty will be imposed for early withdrawals that are made before the maturity date of the share certificate. Once a share certificate is opened, no additional deposits can be made. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. government agency. Match details – the financial institution where the rate will be matched must be in the Jackson metro and surrounding area. If we match a CD special, the same stipulations will apply to the matched rate at MEFCU that is advertised to get the rate. MEFCU will match the rate, not the APY. Example – the advertised rate is 12 months @ 3.928% with an APY of 4.00%. The match would be 3.928% with an APY of 4.00% with MEFCU.
Please call Members Exchange at 601-922-3350 to obtain the most current rate information.