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Just better CDs. Earn up to 1.75% APY with our 12-month CD.


Get Your Personalized Rate

Earn more than 3x the national average** with our 12-Month CD. When you open a CD at MHFCU, our dedicated Relationship Managers will make sure you're maximizing your credit union relationship and earning the best possible rate. Get your personalized rate today. 


CD Features

  • Earn up to 1.75% APY* —that's more than 3x the national average**
  • Available as an IRA
  • Dedicated Relationship Manager to maximize your earning potential
  • Federally insured to at least $250,000 by the National Credit Union Association (NCUA)


Why McGraw-Hill FCU?

  • We've been around since 1935, so we know a thing or two about giving members the best checking account.
  • We're member owned and operated, so we're focused on your best interest and financial well-being.
  • We believe in Corporate Social Responsibility. In 2007, McGraw-Hill FCU established the VOICE Foundation—a 501(c)(3) non-profit organization that promotes and manages the credit union's charitable and financial education activities. Learn more about our community outreach >>


Open Your 12-Month CD Today

 Call us at 1-844-746-2131              Visit a McGraw-Hill FCU Location


*APY = Annual Percentage Yield. 12-Month base rate is 1.30% APY and is valid as of 1/8/2018. Rate varies based on relationship with McGraw-Hill Federal Credit Union for a maximum rate of 1.75% APY. Maximum rate includes (1) a 0.10% bonus for having an S3 Checking Prime account with at least 10 transactions a month (transactions include in-person or electronic deposits or withdrawals, debit card purchases, and/or ATM transactions), (2) a 0.10% bonus for an aggregate deposit and/or loan balance of $25,000 or more, and (3) a 0.25% bonus for a deposit balance of $100,000 or more, or an application for a new loan or credit card with McGraw-Hill FCU. Some or all rate bonuses may be applied based on your relationship with McGraw-Hill FCU. Other rates and terms are available. Fees could reduce earnings on the 12-month certificate account; penalties apply for early withdrawal which may result in loss of principal. Certificate requires a minimum deposit of $1,000; maximum deposit of $1,000,000. Certificate requires new money that has not been on deposit with MHFCU for more than 30 calendar days. 12-month promo certificate renews at a non-promotional 12-month term and rate after the five (5) day grace period. Account requires credit union membership with at least $5 in the share savings account. Rate and offer subject to change without notice. S3 Checking Prime may be subject to overdraft or other maintenance fees outlined in our Fee Schedule located at If the S Checking Prime transaction requirement is not met, the 0.10% APY bonus will be removed for the remainder of the certificate term. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration (NCUA), a U.S. Government Agency.

**Based off the 12-month national average listed by S&P Market Intelligence at 9:30 a.m. EST on 01/16/2018.

Questions? Ask McClever.

  • 1-800-226-6428 |
  • Routing Number: 226077943 |
  • NMLS# 407684
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