Accounts

Retirement

We offer traditional, Roth, and Cloverdale Educational IRA accounts.

Certificates of Deposit*

We offer 3-month, 6-month, 12-month, and 36-month certificates of deposit.

Members less than 18 years of age can open a Certificate of Deposit with a minimum balance of $250.00. They will also earn an additional .01% for each birthday they have reached, with a maximum addition of .17% above our standard rate.

*An early withdrawal penalty may be assessed for early maturity based on the term.

Certificate Rates

Certificates*RateAnnual Percentage YieldTermMinimum Balance**
Certificate of Deposit0.50%0.501%6$1,000.00
Certificate of Deposit0.75%0.753%12$1,000.00
Certificate of Deposit1.15%1.156%24$1,000.00
Certificate of Deposit1.25%1.257%36$1,000.00
IRA Certificates*RateAnnual Percentage YieldTermMinimum Balance**
IRA Certificate0.50%0.501%6$1,000.00
IRA Certificate0.75%0.753%12$1,000.00
IRA Certificate1.15%1.156%24$1,000.00
IRA Certificate1.25%1.257%36$1,000.00

Money Market Account

The money market account requires a minimum balance of $1,500.00, with a minimum withdrawal amount of $100.00. You are limited to three withdrawals per month and may make unlimited deposits. 

The dividends earned are posted to the money market account on the last day of each month.

To view the most current dividend rate for the money market account, head to our Rate Schedule.

We offer an array of investment products – not Federally insured – through Members Financial Network