Accounts for solid savings options for the short or long term.

With a minimum deposit of $500 you can earn a higher return on your investment. Terms vary from 3 to 48 months.

An Add-On Term Share Certificate gives you the ability to make additions to your account before renewal, while still guaranteeing a fixed rate of dividends for a specific term. Add-On TSCs can be opened as a Traditional TSC, a Traditional IRA, Roth IRA, or an Education IRA.

Our Bump Certificate allows you to adjust your rate one time during the duration of your investment. If rates go up, simply contact your credit union and we’ll ‘Bump Up’ your rate for the remainder of the term.

With a Fast Forward Certificate, you earn dividends as you build your balance! You can start the certificate with as little as $10 or as much as $500, and a commitment to deposit at least $10 per month, with a maximum of $500 per month, for the remainder of the term. While you are contributing each month, you are also earning dividends. The Fast Forward Certificate is a great way to save money for a down payment on a house or car. Stop are your local MMFCU office to open a Fast Forward Certificate today! *Must make a minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.

Money doesn’t grow on trees, but your kids might think so. Mid Minnesota members age 0-18 earn great rates with all traditional Term Share Certificates with a $100 MINIMUM DEPOSIT. Term Share Certificates available to youths are 3, 6, 12, 18, 24, 36, and 48 months.

What makes IRAs such a great retirement savings tool is the special federal tax laws governing the taxation of amounts earned within an IRA. Earnings within Traditional IRAs are tax-deferred until they are distributed from the Traditional IRA. Earnings within Roth IRAs may be distributed tax-free, and Coverdell education savings accounts generally are not subject to federal taxes. What’s more, Traditional IRA contributions are tax-deductible for many taxpayers. Over time, these special tax features can result in significantly larger IRA savings accumulations than what can be accomplished in ordinary savings tools. Talk with Member Services for more information on available IRA Term Certificates and always, consult your tax advisor.