Limited-time offer
4.05%*APY
60-MONTH
CERTIFICATE
%
*
APY
How to open a certificate account
Follow these steps to see your earnings grow.
New members
Current members
New members
Step 1
Open an account online
Start by opening a savings account online.Open now
Or, get started at your nearest branch.
Step 2
Log in
Once your savings account is open and funded, simply log in at macu.com or on the mobile app, select Loans & New Accounts and then click New Savings or Certificate.Log in Log in
Current members
Log in
Simply log in at macu.com or on the mobile app, select Loans & New Accounts and then click New Savings or Certificate. Don’t have online or mobile banking yet?
It only takes a few minutes to register. If you have questions or need assistance registering, please contact the service center at 1-800-748-4302.
REGISTER
It only takes a few minutes to register. If you have questions or need assistance registering, please contact the service center at 1-800-748-4302.
REGISTER
Compare certificate rates
Today's rate
12-month certificate
Standard certificate
3.90%
APY²
Today's rate
24-month certificate
Standard certificate
4.20%
APY²
Today's rate
36-month certificate
Standard certificate
4.00%
APY²
Benefits of a 60-month certificate account
- Standard, IRA, Roth IRA and growth certificate options
- Competitive rates
- Higher earnings than a primary savings or money market account
- Fixed, steady growth
* Annual percentage yield is accurate as of July 20, 2026, based on a dividend rate of 3.98%. $500 minimum balance required to open and maintain standard, IRA and Roth IRA certificates. $5 minimum balance required to open and maintain growth certificates. Growth certificates are limited to $100,000 on deposit in any one, or combination of, growth certificate accounts per primary accountholder. Growth certificates require an automated monthly deposit of at least $10. Upon meeting the $100,000 aggregate deposit limit, automated monthly deposits may be canceled by the credit union and no additional deposits will be allowed in any growth certificate for that member. Penalty for early withdrawal. Fees may reduce earnings. Offer not available for financial institutions or other institutional investors. Rate cannot be applied to previously opened certificates unless utilizing an existing one-time bump option. Limited-time offer. Any offer provided by Mountain America can be withdrawn at any time and is subject to change.
