Now for a limited time, we're offering a special rate on our 
16 Month Jump-Up Certificates. 

Our Jump-Up Certificates let you save even more with one rate increase during the term. Relax! Your savings grow at a guaranteed rate.

Whether you're saving for the short term or for retirement, our Share Certificates can help you reach your savings goals.

The road to successful savings for retirement begins with a plan. Why not get started saving today?

- No monthly fees
- Minimum balance of $500**
- Short-term commitment for guaranteed return.

These great rates won't last long, open your certificate now!

Traditional Share Certificate | up to 1.60% APY*

A perfect way to invest your money for a specific term and grow your savings!

- Start an emergency fund
- Save for a rainy day
- Enjoy a higher rate of earning, for funds you don't need immediate access to.

Conveniently open & fund your certificate in eBranch.

IRA Share Certificate | up to 1.70% APY*

Take that first step toward your future and open an IRA Share Certificate - a smart approach to retirement planning.

- Choose from Traditional and Roth IRA options
- Low minimum balance let's you start saving for retirement today!
- You can rollover funds from an existing IRA

​Simply fill out the linked form to open your Traditional or Roth IRA Share Certificate.

Not a Member? Sign up First!

* APY=Annual Percentage Yield. Share Certificate APY assumes dividends are retained in the Certificate; there may be a penalty for early withdrawal. The required Minimum Daily Balance must be maintained at all times. Other terms and conditions apply. Rates are accurate as of February 20, 2018 and are subject to change without notice. Rate shown above reflects a benefit for members who qualify for Smart Money Rewards. To qualify for Smart Money Rewards, we must receive your net pay, pension, or Social Security via direct deposit in excess of $100. If at any time your Checking Account is closed or becomes inactive (zero transaction/s within the past 90 days or direct deposit is cancelled), the rate will be decreased by 0.25%. One or more direct deposits must post and clear to the checking account within each monthly statement cycle. Special rate is available on new funds only. “New Funds” means a deposit of funds: (a) from outside MIT FCU and (b) which is incremental to the average daily balance of deposits for the month before the placement of the time deposit. Any transfer of funds between MIT FCU account(s) would not be considered as new funds. For new certificates opened with funds transferred from an existing MIT FCU account, the rate would be based on our non-promotional rate for 16 Month Jump-Up Certificates: 1.05% APY for the base certificate, 1.30% APY for Smart Money Rewards Certificate, 1.15% APY for IRA base certificate, and 1.40% for Smart Money Rewards IRA Certificate. This includes certificates being rolled over as well as funds being transferred from another type of account.

** A $5.00 balance is required to open a Savings Account for membership at MIT Federal Credit Union. No dividend will be paid on days when the balance falls below the required minimum.