Savings & Certificates

Your personal savings plan demands personalized products and services.  At Members 1st, we provide a variety of savings vehicles to meet your varied needs.  Whether you prefer a traditional savings account, a higher-yield money management account, or a certificate of deposit, you’ll find a savings account just right for you at Members 1st.

Savings

• Initial account that establishes credit union membership.
• A $5 minimum opening deposit and balance is required for all account owners.
• May be used as an overdraft protection source.
• $50 minimum balance required to earn annual percentage yield.

Investment Savings/Money Management Account

• No minimum opening deposit.
• Designed for long-term savings.
• Similar to a money market account.
• May be used as an overdraft protection source.
• This tiered account offers you higher dividends based on your account balance.

Supplemental Savings

• $50 minimum balance required to earn annual percentage yield.
• Use this account to earmark your savings for special needs - vacation, a celebration, taxes – whatever you need to set money aside for. This way, you'll know you have a "stash of cash" for when you need it.
• May be used as an overdraft protection source.

Open any of these savings accounts today by visiting any branch or open an account online with Members 1st Online.

Certificates

• 3 to 60-month terms available.
• Minimum $500 opening deposit required.
• Dividends are computed daily and paid monthly with the exception of the 3-month share certificate (dividends are paid at maturity).
• Higher rates apply on certain tiered balances.
• Penalty for early withdrawal.

No Penalty 9-Month Certificate

• Minimum opening deposit is $5,000.
• Take your money out whenever you need to during the term, without penalty.

Add-On Certificate

• 24-month term.
• Minimum opening deposit is $500.
• Add funds to your certificate any time you like.
• Minimum additional deposits are $25.
• Penalty for early withdrawal.

Bump-Up Certificate

• 48-month term. Other terms are available during special promotional periods. Ask a Members 1st associate for details on these offers.
• Increase the interest rate on the certificate once during its term.
• Penalty for early withdrawal.

Open any of these certificates today by visiting any branch or open an account online with Members 1st Online.