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Money Market &

Share Certificates

Growing your hard-earned money, matters.

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Two great options for advanced savers.

Get your money to work for you!

Money Market

A Money Market account is an excellent investment for larger amounts of money that you do not intend to access often.  This solution offers you flexibility while earning a higher dividend rate.  Our tiered program offers you a savings plan where dividends increase with each level.

Dividends compound monthly.  You have the ability to make three withdrawals per month with a $500 minimum each.

Share Certificates

Enjoy the Reliable Benefits of:

  • Competitive dividend rates and profitable yields
  • Variety of terms from 6 to 60 months
  • Minimum investment of $500
  • Dividends are compounded and paid monthly
  • Certificate will automatically renew, unless previously noted
  • Rate bump options available on select terms.

Have Your Rate and Bump It Too!

Making the most of your savings, matters. That’s why we offer rate bump options on select Share Certificates. What does that mean? It means when interest rates rise, you have the option to bump-up your Share Certificate to a higher interest rate, once or twice during your term.

Keep an eye on our rates!

If rates increase during your term, contact a Member Advisor to take advantage of the higher rate on your eligible Share Certificate.

Rate bump options available on select terms.



Open it.

Available on qualifying Share Certificates & IRA Certificates


Fund it.

$500 minimum deposit


Bump it.

Lock into the current rate with the option to request a one or two-time rate increase during the term.


Grow it.

Increased rate will apply to the period of time remaining on the initial certificate term.

Call 320.252.5393 to get started!

Share Certificates & IRA Certificate Rates

Classic and Youth/Teen Members

$500 Minimum Investment

Change Effective - April 8, 2024


Dividend Rate

Compounded Monthly

3 Month4.70%4.80%
6 Month1.80%1.81%
11 Month**3.45%3.51%
12 Month2.00%2.02%
18 Month2.10%2.12%
24 Month*2.15%2.17%
25 Month**4.20%4.28%
36 Month*2.20%2.22%
48 Month*2.40%2.43%
60 Month*2.45%2.48%

Premier Members

$500 Minimum Investment

Change Effective - April 8, 2024


Dividend Rate

Compounded Monthly

3 Month4.75%4.85%
6 Month1.85%1.87%
11 Month**3.50%3.56%
12 Month2.05%2.07%
18 Month2.15%2.17%
24 Month*2.20%2.22%
25 Month**4.25%4.33%
36 Month*2.25%2.27%
48 Month*2.45%2.48%
60 Month*2.50%2.53%

Share Certificates

10Dividend Rates and Annual Percentage Yields for time accounts are fixed for the term of the share certificate. Share certificates require $500.00 minimum opening deposit, unless otherwise noted. For time accounts, interest begins to accrue on the business day you deposit non-cash items such as checks. Service fees (including early withdrawal penalties) may reduce earnings. Share certificates are available for terms ranging from 3-60 months. To obtain the Annual Percentage Yield you must have your dividends each month compound to the share certificate until maturity. Additional deposits are only allowed at maturity. Partial withdrawals are not allowed prior to maturity. We will impose a penalty if you withdraw any of the deposited funds before the maturity date. The penalty assessed on the amount withdrawn will equal: three months dividends on terms one year or less, six months dividends terms greater than one year. The penalty will be waived in the case of death or judicially declared mental incompetence. Where the account is an IRA and any portion is paid within seven (7) days after establishment; provided that the depositor forfeits an amount of at least equal to the simple dividends earned on the amount withdrawn; or where the account is an IRA and the owner attains age 59 1/2. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Union. Share certificate accounts are automatically renewable. A maturity notice will be sent 20 calendar days prior to maturity. Unless we are notified, the share certificate will renew with the same term and the current dividend rate, on the day of maturity. You also have a grace period of 10 days from the maturity date to withdraw funds without penalty.

Bump Feature Disclosures

*$500 Minimum balance to earn interest and open a Share Certificate. Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. If you choose to exercise the rate increase option, the new interest rate and APY will be in effect for the remainder of the CD term.  Limited time offer to end at the Credit Union’s discretion.

**APY – Annual Percentage Yield. Minimum 50% new money to qualify for rate. Minimum opening balance of $500.00. Dividends compounded monthly; penalty may be imposed for early withdrawal. The rate increase (bump) feature may be used one (1) time any time during the term for any terms greater than 24 months. Upon maturity rate specials will renew for a lessor term. Some restrictions and fees may apply. Limited time offer to end at Credit Union’s discretion.

Ways to Open an Account 

By Phone

Conveniently add a Money Market or Share Certificate to your existing account by calling 320.252.5393 or 1.888.211.5393.

Schedule an Appointment

Speak with a Member Advisor via Great River
Go Live video chat
or at a branch. 

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See how saving pays!

Savings Options

Saving looks different for everyone, that’s why we offer a variety of options for our members.

Individual Retirement Accounts

We have IRA accounts to help you invest in your future.


Your story may bring you here in celebration, because of exciting future plans, or a life changing event. Maybe you are struggling and looking for help, or perhaps going to the credit union is an errand in your day. All of these stories matter to us!