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Certificates of Deposit

Earn big with smart, and simple savings. Elevate your savings game.

  • Minimum $500 opening deposit†

  • Earn 4.5% APY with a 18 month certificate†

  • Funds are insured up to $250,000 by NCUA

We are directing you to Michigan State University Federal Credit Union to complete your application. Happy Money will not be your host and is not responsible for content provided. You will be subject to Michigan State University Federal Credit Union's Privacy Policy and Terms & Conditions.

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What is a Certificate of Deposit?

A certificate of deposit is a type of savings account offered by financial institutions. You generally agree to keep your money in the account without taking a withdrawal for a specified length of time. Withdrawing money early means paying a penalty. Lock in your money as these rates will not last. Plus, your funds are insured up to at least $250,000 for additional peace of mind.

Here's why MSUFCU’s
certificate stands out

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    Exceptional 4.5% APY†

    MSUFCU’s certificate offers a 4.5% Annual Percentage Yield* (APY), putting you way ahead of the national average savings rate.

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    $500 to open†

    You can get started with just $500 as your initial deposit and there is no maximum amount.*

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    A range of terms

    Choose from a flexible range of terms and maturity dates that fit your needs and savings goals.

Ready to elevate your savings game?

Open an account now

Happy Money and Michigan State University Federal Credit Union team up to bring you a happier way to increase your savings.

Learn about MSUFCU certificates