Updated 6/8/20: Our Lincoln Laboratory and Student Center branches remain closed. Our Tech Square branch is open Monday - Friday 8:30 am - 4 pm. Appointments are encouraged. Please call 617-253-2845 for an appointment. Please visit MITFCU.ORG/COVID19Support for more information.

FRAUD ALERT: Fraudsters have been sending out counterfeit cashier’s checks and money orders appearing to be issued by MIT Federal Credit Union. If you received one of these checks in payment for services as a mystery shopper, please do not cash or deposit, and do not send money to the company sending the check! Read more here.

Share and IRA Certificates

The road toward a more secure financial future begins with saving strategies using MIT Federal Credit Union's IRAs and Share Certificates.

Share and IRA Share Certificates

  • Choose between a Traditional Certificate and Roth or Traditional IRA Certificate ($500 minimum)
  • Dividends are compounded daily and paid monthly
  • Roll dividends into the Share Certificate account
  • Terms range from 12 to 60 months
  • No monthly fees

Share Certificates

Reach short-term savings goals with Share Certificates structured for steady growth. Your retirement savings receive a boost with a Traditional or Roth IRA Certificate

  • Higher dividend rates than MITFCU Savings and Money Market Accounts 
  • Traditional and Roth options provide various tax advantages (please consult your tax advisor
  • Smart Money Rewards members receive a 0.25% rate increase