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Share Certificates


Savings accounts are a great way to save for the future, but share certificates allow you to lock in a higher rate for period of time and earn more on your funds than a traditional savings account. 

Merck Employees FCU offers a competitive savings account rate that fluctuates quarterly. With a share certificate, you can lock in a specific rate for a set amount regardless of quarterly fluctuations. 

In order to open a new certificate account, you need to be a member in good standing with the credit union and have a minimum deposit of $2,500. Once opened, funds cannot be added to the certificate and early withdrawals forfeit all interest earned. 

  • $2,500 minimum balance required

  • Dividends paid at time of maturity

  • Access to your account information any time through online or mobile banking

Current Offerings:

Product Rate APY
6 month Certificate   3.85%     3.92%    
6 month IRA Certificate 3.85%     3.92%    

Please note:

*The minimum balance to earn dividends on certificates and IRA certificates is $2,500.00

Open a New Share Certificate Account