Its best CD

5.00%

APY for 5 years, as of Nov 8, 2026. #3 of 98 at that term.

4 CDs

Mountain America CD rates

Every CD we track from Mountain America, by term, with each term’s place among the CDs we track and its terms of business.

Checked Nov 8, 2026Updated Nov 8, 2026

At each term

Its best rates

6 months4.00%#31 of 143
1 year4.15%Not ranked
18 months4.15%#30 of 107
2 years4.60%Not ranked
30 months4.35%Not ranked
3 years4.50%Not ranked
4 years4.55%Not ranked
5 years5.00%#3 of 98

Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.

Every CD

Its CDs, by term

Bump/IRA Bump Certificates

6 months3.74%#62 of 143

1 year3.79%#82 of 176

18 months3.89%#43 of 107

2 years4.24%#34 of 134

30 months4.09%—

3 years4.14%#25 of 98

4 years4.19%—

5 years4.75%#11 of 98

Minimum to open: $500macu.com, checked Nov 8, 2026
Early withdrawal penalty: Early withdrawal penalties apply as stated in the Membership Agreement.macu.com, checked Nov 8, 2026
Interest compounds: Dividends may be credited monthly, becoming part of the principal balancemacu.com, checked Nov 8, 2026
Membership: Membership required:macu.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

Growth Certificates

6 months4.00%#31 of 143

1 year4.05%#54 of 176

18 months4.15%#30 of 107

2 years4.50%#18 of 134

30 months4.35%—

3 years4.40%#14 of 98

4 years4.45%—

5 years4.50%#20 of 98

Minimum to open: $5macu.com, checked Nov 8, 2026
Early withdrawal penalty: Early withdrawal penalties apply as stated in the Membership Agreement.macu.com, checked Nov 8, 2026
Interest compounds: Dividends may be credited monthly, becoming part of the principal balancemacu.com, checked Nov 8, 2026
Membership: Membership required:macu.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

Standard/IRA Certificates

6 months4.00%#32 of 143

1 year4.05%#55 of 176

18 months4.15%#31 of 107

2 years4.50%#20 of 134

30 months4.35%—

3 years4.40%#16 of 98

4 years4.45%—

5 years5.00%#3 of 98

Minimum to open: $500macu.com, checked Nov 8, 2026
Early withdrawal penalty: Early withdrawal penalties apply as stated in the Membership Agreement.macu.com, checked Nov 8, 2026
Interest compounds: Dividends may be credited monthly, becoming part of the principal balancemacu.com, checked Nov 8, 2026
Membership: Membership required:macu.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

Youth Certificates

1 year4.15%—

2 years4.60%—

3 years4.50%—

4 years4.55%—

5 years4.60%—

Minimum to open: $5macu.com, checked Nov 8, 2026
Early withdrawal penalty: Early withdrawal penalties apply as stated in the Membership Agreement.macu.com, checked Nov 8, 2026
Interest compounds: Dividends may be credited monthly, becoming part of the principal balancemacu.com, checked Nov 8, 2026
Membership: Membership required:macu.com, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake

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