Learn the ABCs of our CD, IRA and HSA rates

Whether you're saving for a more comfortable retirement or want to save for unexpected expenses, MSGCU's rates on investment accounts deliver. Our status as a not-for-profit credit union means we can provide more value for our members.

Certificate of Deposit (Regular and IRA CDs)
TermAPY*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 Funds withdrawn from MSGCU may not be returned and be considered New Money within 90 days of withdraw.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.

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Grow-With-Me CD
TermAPY*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.

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Youth Flex CD
TermAPY*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.

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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.

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Health Savings Account
APY*Interest Rate
0.30% 0.30%

*APY = Annual Percentage Yield. APY and rates rounded to the hundredth percentile. No Minimum Balance Required.

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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.