Certificates

Rates as high as
4.50
% APY*
with Active Checking¹

Certificates offer some of the highest yields in savings

Earn a higher rate of return than regular savings accounts with short- or long-term share certificates.

Compound your savings

Choose a maturity date anywhere from three months to five years

Take advantage of some of our highest interest rates 

Open most certificates with as little as $1,000 (just $500 for an Educational Savings Account)

Most certificates are available as Regular, IRA, and Educational Savings Account (ESA) types

Youth certificates are available, starting at $250

By compounding dividends every month, you earn dividends on your dividends

Choose how to receive dividends²: reinvest, transfer to another account, or get a monthly check

Whether you're saving for the unexpected, you're planning for the future or you're somewhere in between, Monterra Credit Union's Certificates deliver growth at our highest rates. Plus, you can get a monthly rate increase of 0.25% when you have direct deposit or an incoming ACH deposit into your Monterra checking account each month.¹

Please keep in mind

  • Only Regular Share Certificates can be opened online; IRA, Youth, and Coverdell ESA Share Certificates must be opened by visiting one of our branches.
  • Online funding limit from non-Monterra accounts is $500.
  • Minimum opening balance on Share Certificates is $1,000.

Ready to watch your money grow? Explore our high-yield 12-month Flex Certificate.

Learn moreLearn more Flex Certificate
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*Deposit rates and annual percentage yields (APY) are effective 8/14/2024 unless otherwise noted and subject to change at any time. Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened.
¹Offer details current as of 06/08/2023 for an eligible Share Certificate (certificate) account that has an open or auto-renewal (rollover) date on or after 06/08/2023. The advertised certificate dividend rate increase can be earned for members who have an "Active Checking" account. Active Checking account is defined as a checking account that has at least one (1) direct deposit or ACH deposit (excluding telephone, teller or dividend posting transactions) during the monthly Statement Cycle (statement cycle period is 12:00 am on the first day of each month and ends at 11:59 pm on the last day of each month). For a Statement Cycle during which the Active Checking account deposit requirement is not met, the certificate will earn the base rate that was set at the account opening or rollover date. The certificate dividend rate increase is earned on a month-by-month basis and disclosed as the Annual Percentage Yield Earned (APYE). The APYE, on a monthly basis, calculates both the certificate base rate and the certificate dividend rate increase as earned.Both the certificate and the checking account must be held by the primary account owner to be eligible for the certificate dividend rate increase. The checking account must be open and in Good Standing, as defined in the Monterra Credit Union Membership and Account Agreement, to earn the certificate dividend rate increase for each month. This offer cannot be combined with any other certificate rate increase offer and not all certificates may be eligible. Offer is subject to change or removal at any time without notice. Penalties may be imposed for early withdrawal and fees may reduce earnings. Please ask an Monterra Credit Union representative for complete offer details, conditions, and restrictions.
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