No matter how small your need or how big your dream, we can help you save.
Whether you're preparing for the unexpected or planning ahead, our 15-Month CD at 3.90% APY* is the perfect way to grow your savings with confidence.
A $5,000 minimum opening deposit
Receive earnings higher than average savings accounts
Enjoy low-risk growth of savings and lock in a great rate for a fixed period
Already a MECU member? Follow the steps below to open your CD:
- Log in to Online Banking
- Navigate to "Apply for a Loan or Account"
- Select "Open an Account"
Banking with MECU means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on CDs and other savings accounts.
Disclosures
*Promotional Annual Percentage Yield (APY) of 3.90% effective as of 5/14/2026. 15-month CD rate is a limited time offer and available as Regular CD only. APY and promotion period are subject to change at any time without notice. A $5,000 minimum opening deposit of new money is required to earn interest and to obtain the promotional APY. One CD per member with maximum deposit allowed of $250,000 / maximum allowed online through mecu.com is $100,000. CD opened online cannot be withdrawn within the first 30 days. New money is defined as funds not currently on deposit at MECU. Transfers from existing MECU accounts are not be eligible for the promotional offer. At maturity, promotional term will renew to 18-month CD term unless action taken. A penalty will be imposed for early withdrawal before maturity. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. MECU membership eligibility required. Certain restrictions may apply. Subject to change without notice. Federally insured by NCUA.