CDs & IRAs
Life is full of possibilities for you and your family. Put some money aside now, watch it grow over the months and years, and you'll soon be financially ready for all the good times ahead.
Plan for the future, with MSGCU's help
Save for college. Save for retirement. Save for a splurge. Best of all, save risk-free. Our high-interest CDs and IRAs come with guaranteed returns. That means the money you invest — and more — will definitely be there when you need it.
CDs
These high-yield CDs are a smart, safe investment offering steady growth for your deposits.
Minimum deposit: $500
Standard Terms: Six months through five years
Deposit limits: One initial deposit
Grow-With-Me CD
Start with a modest deposit and continuously add funds to grow your account quicker.
Minimum deposit: $250
Standard Terms: Six months through five years
Deposit limits: Unlimited deposits allowed
Youth Flex CD
Set them up for financial success with a CD designed just for young savers.
Minimum deposit: $100
Standard Terms: One year
Deposit limits: Unlimited deposits allowed up to the max balance of $15,000
IRA CD
This account diversifies your investment portfolio with a combination of guaranteed returns and tax benefits.
Minimum deposit: $500
Standard Terms: Six months through five years
Deposit limits: One initial deposit
IRA
Open one or more of these high-yield accounts and benefit from various tax advantages.
Minimum deposit: None
Standard Terms: No preset term options
Deposit limits: Unlimited deposits up to annual contributions limits
| intentionally empty table head | Minimum Deposit | Standard Terms | Deposit Limits | intentionally empty table head |
|---|---|---|---|---|
CDsThese high-yield CDs are a smart, safe investment offering steady growth for your deposits. |
$500 | Six months through five years | One initial deposit | |
Grow-With-Me CDStart with a modest deposit and continuously add funds to grow your account quicker. |
$250 | Six months through five years | Unlimited deposits allowed | |
Youth Flex CDSet them up for financial success with a CD designed just for young savers. |
$100 | One year | Unlimited deposits allowed up to the max balance of $15,000 | |
IRA CDThis account diversifies your investment portfolio with a combination of guaranteed returns and tax benefits. |
$500 | Six months through five years | One initial deposit | |
IRAOpen one or more of these high-yield accounts and benefit from various tax advantages. |
None | No preset term options | Unlimited deposits up to annual contribution limits |
Enjoy these perks
- Track Account Online
- CDs insured up to $250,000
- Tax benefits for IRAs
Interested in learning more? Check out this 5-minute lesson.
| Certificate of Deposit (Regular and IRA CDs) | ||
| Term | APY* | Interest Rate |
| Standard | ||
| 6 Months | 2.50% | 2.48% |
| 12 Months | 3.50% | 3.46% |
| 2 Years | 4.00% | 3.94% |
| 3 Years | 3.25% | 3.21% |
| 4 Years | 3.25% | 3.21% |
| 5 Years | 3.50% | 3.46% |
| Promotional | ||
| 15 Months - New Money^ | 4.25% | 4.18% |
| 9 Months | 4.05% | 3.99% |
*APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. ^APY = Annual Percentage Yield. The 15-month promotional CD is offered as of 7/1/2026 and is available for new money only. New money means funds that are not currently on deposit at MSGCU. This offer cannot be combined with current MSGCU deposit dollars, including rollovers from maturing MSGCU CDs. The minimum balance required to open the CD and earn the advertised APY is $500. Funds are considered new money if they are received by MSGCU through cash, check, or wire transfer and the CD is opened within five days of MSGCU receiving the funds. Funds from an IRA direct transfer or rollover from another institution are also considered new money if they are deposited into the IRA share and the CD is opened within five days. Funds withdrawn from MSGCU may not be returned and be considered New Money within 90 days of withdraw. A penalty may apply for early withdrawal. Businesses, municipalities, and MSGCU team members are not eligible for this offer. This offer is available in branches or when opening a new membership online only through 9/30/2026. At maturity, the CD is renewed to a 1-year term Certificate of Deposit. Terms and rates are subject to change at any time without notice. | ||
| Grow-With-Me CD | ||
| Term | APY* | Interest Rate |
| 6 Months | 1.50% | 1.49% |
| 1 Year | 1.75% | 1.74% |
| 2 Years | 2.25% | 2.23% |
*APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. $250 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. | ||
| Youth Flex CD | ||
| Term | APY* | Interest Rate |
| 1 Year | 4.00% | 3.94% |
*APY = Annual Percentage Yield. APY and rate rounded to the hundredth percentile. $100 Minimum Balance Required. Maximum balance is $15,000. Two penalty-free withdrawals per term may be made via an MSGCU team member thru a branch, call, or video; additional withdrawals will incur a penalty. APY is accurate as of December 1, 2025. No parental account required. Certificate of Deposits will automatically transfer to Membership Share 01 at maturity. One CD per membership. | ||
| Individual Retirement Account (IRA) | |
| APY* | Interest Rate |
| 0.30% | 0.30% |
*APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. No Minimum Balance Required. | |
Minimum balance listed is to open an account and earn the advertised APY. All rates and APYs are accurate as of today and subject to change at any time. Fees may reduce earnings on accounts. A penalty will be imposed for early withdrawal from Certificates of Deposit.
