A MAX certificate account is a simple savings strategy that comes equipped with peace of mind.

Saving money – it has to be done. You know that. Why not do it the smart way? With a MAX Certificate Account, you pick the term and earn a fixed rate of return on the money you save.

The Simplicity of Patience

With a certificate account, there’s no guess work or trends to predict. You’ll always know your interest rate during the term, so it’s easy to calculate your expected return. And with a MAX Certificate Account, you easily roll your account to keep your money growing at the end of your account’s term.

Open a Certificate Account

A Variety of Savings Options

With a minimum investment of $500, you can lock in your rate at account opening. We also offer MAX Jumbo Certificate accounts.

MAX Certificate Account Rates

Type Minimum Deposit Dividend Frequency Dividend Rate APY
30 Day $500 At Maturity 0.100% 0.100%
60 Day $500 At Maturity 0.200% 0.200%
90 Day $500 At Maturity 0.300% 0.300%
06 Month
$500
At Maturity
0.400%
0.400%
12 Month $500 Quarterly 0.500% 0.500%
18 Month $500 Quarterly 0.750% 0.750%
24 Month $500 Quarterly 0.850% 0.850%
30 Month $500 Quarterly 1.000% 1.000%
36 Month $500 Quarterly 1.100% 1.100%
39 Month*
Smart Bump Up
$10,000* Quarterly 1.100% 1.100%
48 Month $500 Quarterly 1.450% 1.460%
60 Month $500 Quarterly 1.750% 1.760%

The Dividend Rate and Annual Percentage Yield (APY) on our Certificate Accounts are reflected in the chart above. The Rate and APY are those that we offered during the most recent seven calendar days and were accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Disclosures.

*The entire balance deposited to this certificate account must come from an external source (not an existing MAX account). Any MAX customer with a checking account is eligible to apply for this account. The new dividend rate will not be applied retroactively. Early withdrawal of funds will result in a penalty of 365 days' dividends. The penalty will not exceed dividends earned up to the date of early withdrawal.

MAX Jumbo Certificate Account Rates

Type MinimumDeposit DividendFrequency DividendRate APY
30 Day $100,000 At Maturity 0.100% 0.100%
60 Day $100,000 At Maturity 0.150% 0.150%
90 Day $100,000 At Maturity 0.350% 0.350%
06 Month $100,000 At Maturity 0.500% 0.500%
12 Month $100,000 At Maturity 0.750% 0.750%
18 Month $100,000 At Maturity 0.850% 0.850%
24 Month $100,000 At Maturity 1.000% 1.000%
30 Month $100,000 At Maturity 1.100% 1.100%
36 Month $100,000 At Maturity 1.250% 1.250%
48 Month $100,000 At Maturity 1.600% 1.600%
60 Month $100,000 At Maturity 1.900% 1.900%

The Dividend Rate and Annual Percentage Yield (APY) on our Jumbo Share Certificate Accounts are reflected in the chart above. The Rate and APY are those that we offered during the most recent seven calendar days and were accurate as of the date of this document. The Dividend Rate and APY may change as indicated in our Disclosures.

Easy to Manage, Fully Secure

Your money is secure and federally insured up to at least $250,000 at MAX. And you may have additional coverage based upon your account type. A MAX Certificate Account is simple to manage and can help you meet your savings goals with ease. Rather you’re saving for a down payment on a new home, your children’s college education, a new vehicle or next year’s vacation, a MAX Certificate Account keeps your savings growing.

Open a Certificate Account

Do you have a CD that is about to mature?

Please visit any of our convenient branches or give us a call to learn about your available options.

 

Tax preparation is not provided or affiliated with LPL Financial. Before making any decisions in regards to tax deferral strategies, consult with a qualified tax professional for guidance.

Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured MAX Credit Union deposits and are not NCUA insured. These products are not obligations of MAX Credit Union and are not endorsed, recommended or guaranteed by MAX Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

  

This site is designed for U.S. residents only. The services offered within this side are available exclusively through our U.S. Investment Representatives. LPL Financials U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

 






If you need to save for a long-term goal and want to earn interest while you save, a MAX Certificate Account is for you.

Martin Ruiz de Olano , Customer Service Consultant

MAX employee

Ready to get started?

Become a part of MAX and know what it means to manage your finances the smart and simple way. Open your account online, by phone, or at one of our convenient locations.

Get Started with MAX  →