Source: https://www.macu.com/rates/certificates
Read: 2026-10-22T04:53:52.000Z

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Certificate Rates
Mountain America’s certificates are a great way to earn competitive dividends on safe, long-term investments.
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Standard certificates
What is a standard certificate?
Product | Dividend rate | Annual percentage yield | Minimum balance
6-month standard certificate | 3.93% | 4.00% APY | $500
12-month standard certificate | 3.98% | 4.05% APY | $500
18-month standard certificate | 4.07% | 4.15% APY | $500
24-month standard certificate | 4.41% | 4.50% APY | $500
30-month standard certificate | 4.27% | 4.35% APY | $500
36-month standard certificate | 4.31% | 4.40% APY | $500
48-month standard certificate | 4.36% | 4.45% APY | $500
60-month standard certificate | 4.41% | 4.50% APY | $500
APY= Annual percentage yield.
Growth certificates
What is a growth certificate?
Product | Dividend rate | Annual percentage yield | Minimum balance
6-month growth certificate | 3.93% | 4.00% APY | $5
12-month growth certificate | 3.98% | 4.05% APY | $5
18-month growth certificate | 4.07% | 4.15% APY | $5
24-month growth certificate | 4.41% | 4.50% APY | $5
30-month growth certificate | 4.27% | 4.35% APY | $5
36-month growth certificate | 4.31% | 4.40% APY | $5
48-month growth certificate | 4.36% | 4.45% APY | $5
60-month growth certificate | 4.41% | 4.50% APY | $5
Christmas Club certificate | 3.98% | 4.05% APY | $5
APY= Annual percentage yield.
Youth certificates
What is a youth certificate?
Product | Dividend rate | Annual percentage yield | Minimum balance
12-month youth certificate | 4.07% | 4.15% APY | $5
24-month youth certificate | 4.51% | 4.60% APY | $5
36-month youth certificate | 4.41% | 4.50% APY | $5
48-month youth certificate | 4.46% | 4.55% APY | $5
60-month youth certificate | 4.51% | 4.60% APY | $5
APY= Annual percentage yield.
*Credit union deposits are federally insured by the NCUA. The minimum balance required to earn the APY is the same as the minimum amount to open the account. Penalties for withdrawing funds before the end of the designated term may apply. Fees may reduce earnings on account.
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© 2026 All rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
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