Man applying for certificate online

Your limited-time certificate offers!

You've uncovered two ways to earn more

4.75% APY*

9 Month Certificate

5.00% APY*

11 Month Certificate

Or visit any branch location to open with an amount over $250,000

Interested in other rates and terms? Check out more of our certificate offers.

BUT...WHAT'S A CERTIFICATE?

A certificate is a low-risk savings tool that can earn you more than a traditional savings account. The money you deposit into a certificate is held for a certain amount of time. This is known as the term.

When the term is up, you can either take your money or renew the certificate. 

Pros and cons of certificates

Or visit any branch location to open with an amount over $250,000 

  • [My Member Service Representative] was very courteous, polite and help(ful). She help(ed) me find the right CD.
    Gerry M.

COMPARE YOUR OFFER TO THE NATIONAL AVERAGE

9 Month CD Chart

11 month CD chart

Or visit any branch location to open with an amount over $25,000 

IT'S EASY TO OPEN YOUR CERTIFICATE AND LOCK IN A HIGHER RATE

  1. 1

    What you need

    Whether you are looking to open an account online or in branch, you’ll need an unexpired government issued identification such as a State-issued Driver’s License or a U.S. Passport.
  2. 2

    Initial Deposit

    If you are not currently a member, there is a $5 minimum deposit required in a Savings Account when opening a Certificate of Deposit in addition to the amount of your certificate. This $5 buys your membership in the credit union.
  3. 3

    Open

    Open a Certificate with up to $250,000 online or with $500 or more at your most convenient branch location.

Or visit any branch location to open with an amount over $250,000 




* APY=Annual Percentage Yield. APY assumes principal and dividends remain on deposit for the term of the certificate. Substantial fees and penalties will be imposed for early withdrawal which could reduce earning on the account. Dividends are compounded daily and credited monthly. APY is only available at listed term, is offered at MHV's discretion and may be changed or discontinued at any time. 11 month product will automatically renew to a 12 month term and 9 months will automatically renew, at the then current fixed rates, respectively. $500 minimum opening deposit. Rates accurate as of 1/17/2024.  Promotion limited to MHV members in good standing. Membership extends to anyone who lives, works, worships, volunteers or attends school in Orange, Westchester, Sullivan, Putnam, Rockland, Ulster and Dutchess counties. Terms and conditions apply, inquire for details.  Federally Insured by NCUA.