9-Month Certificate Special
For a limited time, lock in a great return with our 9-month Certificate special at 3.20% APY¹.
GET STARTED IN 60 SECONDS HERE!
1APY = Annual Percentage Yield. Share certificate APY disclosed effective as of 4/17/2026. Offer and rate are only available on 9-month term certificates of deposit during the promotional period and are subject to end without notice. Minimum deposit $500 to open and earn dividends. In order to obtain a certificate of deposit, you must first become a MyUSA CU member and meet MyUSA’s eligibility requirements. Other rates, terms, and fees may apply including penalty for early withdrawal; Speak to a MyUSA Associate for details.
Let us help you save for the future with our affordable, trusted, local Certificate and IRA options. Whether you’re looking to grow short-term savings or plan for long-term retirement, we offer secure, flexible products designed to help you reach your financial goals.
Visit our rates page to see our current rates.
Certificate (CD) Term Explorer
Certificates2
Want to earn more? If you’re seeking a higher rate of return, a certificate may be the answer! Certificates pay higher dividend rates as invested funds remain on deposit for a fixed period of time. Minimum balance is $500 and available terms are 3 to 60 months.
2 APY for Certificates will be standard published rates at time of account opening and are subject to change after account opening. APY, minimum balance requirements for obtaining APY, and fees, including early withdrawal fees, may apply and will vary per account. A minimum balance of $500 is required to open a Certificate and a balance of $0.01 is required to earn dividends; fees may reduce earnings. You must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00 to open Share Certificate. For additional account information, including applicable fees, speak to a MyUSA Associate for details.
IRA
IRAs, or Individual Retirement Accounts, offer an ideal place to hold retirement savings funds. Your account earns higher dividends as your balance increases. This account also allows for easy IRA and 401(k) rollovers. Our IRA options provide great flexibility and include Roth and Traditional IRAs. IRA Share Certificates are also available.
Interactive Learning Experiences
Share Certificates and IRAs are accounts designed for building savings. Zogo offers short, interactive learning experiences will provide valuable information on these accounts that will empower you to make smart financial decisions and create the life of your dreams.
Zogo is a gamified financial literacy app that rewards users for completing bite-sized financial literacy lessons on intelligently saving, spending, and managing money. Level up and earn while you learn, with real-life rewards, such as gift cards to your favorite stores!