Certificates
Grow your savings with MHV certificates featuring competitive rates and flexible term options designed to help you reach your financial goals.
certificate, CD, CDs, certificate of deposit, share certificate
Earn 4.30% APY*
Put your money to work today to gather more for tomorrow with our limited-time 24-month certificate offer.
A special offer makes earning more even easier.
Whatever you’re saving for, starting today gives your money more time to grow—and brings your future plans a little closer. And with a limited time special rate and term there's no better time to get started .
Lock in a great rate for the next 15 months
Grow your savings or start your CD ladder with a limited-time 15-month CD at a special rate and term. Minimum $500 to open. Get started saving in 10 minutes.
Here are some of our most popular terms
6 Month Certificate
3.00% APY*
$500 minimum
12 Month Certificate
3.40% APY*
$500 minimum
15 Month Certificate Special
4.15% APY*
$500 minimum
18 Month Certificate
3.50% APY*
$500 minimum
24 Month Certificate Special
4.30% APY*
$500 minimum
Additional Rates & Terms Available
See how much you could earn
Frequently asked questions
A certificate is a savings account that holds your money for a set period, called a term, while earning dividends. It’s a simple way to grow money you don’t need for everyday expenses.
Choose your term, make your opening deposit, and let your savings grow. When the term ends—known as maturity—you can decide whether to withdraw your money or put it toward another certificate. Withdrawing early may result in a penalty.
Most standard MHV certificates require a minimum opening deposit of $500. Minimums vary for Jumbo and VIP certificates. View our current rates to compare options.
An early withdrawal penalty may apply if you withdraw your deposited funds before maturity. Contact us before making a withdrawal so we can explain the penalty and help you understand your options.
*APY = Annual Percentage Yield. APYs accurate as of 11/4/2026 and subject to change before account opening. $500 minimum deposit and balance required to earn the advertised APY. A penalty will be imposed for early withdrawal, and fees may reduce earnings. 24-month certificates will renew for an additional 24-month term, and 15-month certificates will renew for a 12-month term, at the prevailing interest rate in effect at the time of renewal. Offer available to eligible members in good standing.