Share Certificates

A share certificate is referred to in banking terms as a CD or Certificate of Deposit. A share certificate is an investment account that earns a higher dividend rate than a regular savings account for a fixed time. Share certificates are ideal for members who want to maximize earnings for a specified period. Meadowland Credit Union's rates are competitive with other area financial institutions, and vary according to the length and term of the certificate. Terms also can vary from as little as 3 months or as long as 5 years.


Share certificates are the perfect no-risk investment you can use to save for your future retirement, school, or for the additional income you need today. You can also time a share certificate's maturity to coincide with a vacation, due date for tuition payments, a home improvement project, or the purchase of a second home.


Smart investing is the key to a prosperous future. With MCU's federally insured share certificates, your principal investment is always protected. Plus, our rates are consistently better than maybe other types of saving options. Avoiding fluctuations in principal can be especially important if you need to invest for the short term or cannot afford to risk losing your investment.


Deposits at MCU are insured up to $250,000 by National Credit Union Share Insurance Fund (NCUSIF). The fund is regulated by the National Credit Union Administration (NCUA), an agency of the federal government.


Contact MCU today to hear more about our Share Certificates or about additional rates and terms.