Certificate Rates

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All Mill City certificates will automatically renew, unless otherwise stated. Penalties apply for withdrawal prior to maturity date. The penalty is 90 days dividends on terms less than 12 months; 180 days dividends on a 12 month term; and 365 days dividends on terms more than 12 months.

Regular Certificates Minimum Balance Rate APY
6 Months $1,000 0.80% 0.80%
- $25,000 0.85% 0.85%
- $100,000 0.90% 0.90%
12 Months $1,000 1.19% 1.20%
- $25,000 1.29% 1.30%
- $100,000 1.39% 1.40%
24 Months $1,000 1.49% 1.50%
- $25,000 1.59% 1.60%
- $100,000 1.69% 1.70%
36 Months $1,000 1.79% 1.80%
- $25,000 1.89% 1.90%
- $100,000 1.99% 2.00%
48 Months $1,000 2.23% 2.25%
- $25,000 2.33% 2.35%
- $100,000 2.43% 2.45%
60 Months $1,000 2.38% 2.40%
- $25,000 2.48% 2.50%
- $100,000 2.58% 2.60%

All Mill City certificates will automatically renew, unless otherwise stated. Penalties apply for withdrawal prior to maturity date. The penalty is 180 days dividends on a 12 month term and 365 days dividends on terms more than 12 months.

IRA Certificates Minimum Balance Rate APY
12 Months $1,000 1.19% 1.20%
- $25,000 1.29% 1.30%
- $100,000 1.39% 1.40%
24 Months $1,000 1.49% 1.50%
- $25,000 1.59% 1.60%
- $100,000 1.69% 1.70%
36 Months $1,000 1.79% 1.80%
- $25,000 1.89% 1.90%
- $100,000 1.99% 2.00%
48 Months $1,000 2.23% 2.25%
- $25,000 2.33% 2.35%
- $100,000 2.43% 2.45%
60 Months $1,000 2.38% 2.40%
- $25,000 2.48% 2.50%
- $100,000 2.58% 2.60%

Rates effective December 13, 2018