60-month CD, 1.00% APY, minimum deposit $500, dividends paid monthly 

Members 1st Federal Credit Union Top CD Rates 

Members 1st Federal Credit Union’s top CD rate is 1.15% APY. This rate is offered on the credit union’s 60-month CD. Normally CDs only require a $500 deposit, but in order to get this rate, you need to have $100,000 or more deposited into this CD. Dividends are paid monthly. 

If you don’t have $100,000 to deposit into a CD there are other 60-month alternatives. If you deposit between $75,000.00 and $99.999.99 you will receive a rate of 1.10% APY. If you deposit between $10,000.00 and $74,999.99 you will receive a rate of 1.05% APY. If you deposit between $500.00 and $9,999.99 you will receive a rate of 1.00% APY. 

The 48-month CD could be another great alternative. This CD offers up to 1.05% APY with a $500 minimum opening deposit. This CD would be great for those wanting a long investment period, but don’t want to commit to a full 60 months. Like the 60-month CD the larger the amount you deposit the higher your interest rate will be. 

If you are looking for a CD with a much shorter-term the 6-month CD could be a great option for you. This CD offer rates up to .45%. All CDs mentioned are subject to early withdrawal penalties. They do offer a 9-month no-penalty CD for those who are interested. 


You must be a member of Members 1st Federal Credit Union in order to open a CD. To open an account, you will need to put $5 into a regular savings account. In order to create an account, you will need a valid ID, social security number, your current address, date of birth, and a valid email address. 

Branches in Pennsylvania 

Camp Hill, Carlisle Crossing, Carlisle Giant, North Middleton, Walnut Bottom, West High Street, Denver, Dillsburg, Duncannon, Elizabethtown, Enola, Ephrata, Newberry Commons, Gettysburg, Gettysburg East, Halifax, North Hanover, South Hanover, Colonial Park, Derry Street, Eisenhower Boulevard, Linglestown Road, Strawberry Square, Union Deposit, Hershey, Columbia Avenue, Hummelstown, Greenfield, Lancaster Giant, Lititz Pike, Neffsville, Willow Street, Quentin Road, Highland Park, Carlisle Pike, Market Plaza, Rossmoyne, Simpson Ferry Road, Middletown, Millersville, Mount Joy, New Cumberland, Palmyra, Shippensburg, Shrewsbury, Dover, East Market Street Giant, Manchester Giant, Mt. Rose Avenue, Red Lion, South Queen Street, West York, Whiteford. 

Bank Overview 

Members 1st Federal Credit Union treats its members as one big giant family. Like most credit unions Members 1st is focused on servings its members and their communities. They offer many different services to help you reach your financial goals including low rates, a great mobile app, and honest advice.