MECU SuperFlex CD

MECU SuperFlex CD

in CD Accounts from MECU · ncua


MECU SuperFlex CD


in CD Accounts from MECU · Insured by NCUA

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Minimum Opening Deposit Starting at $5,000
Certificate Term 11 months
APY (Annual Percentage Yield) 0.40%

MECU SuperFlex CD Review

MECU SuperFlex CD is offered by MECU, a credit union founded in 1936 and based in Baltimore, MD. MECU SuperFlex CD is available in 1 state across the USA.

Key Takeaways
  • Only one CD account type available. MECU SuperFlex CD only offers CD accounts.
  • Very high APY. This account offers an annual percentage yield of up to 0.40%, which is much higher than the national average for a certificate account.
  • High minimum deposit. You must deposit a minimum of $5,000, which is high compared to most certificate accounts.
  • Limited selection of CD terms. MECU SuperFlex CD only offers one CD terms. This limits your options when trying to set up a certificate ladder.
Pros & Cons of MECU SuperFlex CD
Pros Cons
  • Insured by NCUA.
  • High-dividend yield
  • No charge on incoming domestic or international wire transfers.
  • Only available in one state.
  • Poor selection of certificate terms.
  • There isn't a no-penalty certificate option.
  • Does not offer an IRA CD.

Are cd accounts from MECU federally insured?

Yes, your MECU cd accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does MECU offer?

MECU SuperFlex CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate i you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or rolling over the CD for another term.

What CD rates does MECU offer on its CDs?

The CD rates for this account have an APY of0.40% (APY stands for annual percentage yield, rates may change).

What terms does MECU SuperFlex CD offer?

MECU offers CD terms of the following lengths:
MECU SuperFlex CD Rates & Terms
11-Month APY 0.4%
APY (Annual Percentage Yield) 0.40%

What is the minimum deposit to open a CD account with MECU?

MECU SuperFlex CD requires a minimum deposit of $5,000 to open an account.

What is the grace period for MECU SuperFlex CD?

There is a 7-day grace period for MECU SuperFlex CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does MECU SuperFlex CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

MECU does not charge an early withdrawal fee.

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Message From MECU SuperFlex CD

We're bending the usual rules so you can benefit more. To make your body more flexible, you have to do hours of yoga or stretching exercises. It takes far less effort to make your investments more flexible. Even after you open a MECU SuperFlex CD, you can keep adding to your account. And that extra money can help expand your interest earnings. With most certificates of deposit from banks in Baltimore and elsewhere, once you open your account, you can't put more money in -- or take it out without paying a penalty. But MECU's SuperFlex CD comes with its own twist. You can make unlimited additional deposits and one penalty-free withdrawal before the CD matures. Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on CDs and other savings accounts.


Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 4:30pm
  • Tuesday 8:30am - 4:30pm
  • Wednesday 8:30am - 4:30pm
  • Thursday 9:00am - 4:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by MECU

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  Available in 1 state
Availabile in all of Maryland

Feature Breakdown

No Early Withdrawal Fee
Minimum Opening Deposit Starting at $5,000
11-Month APY 0.4%
APY (Annual Percentage Yield) 0.40%
CD Accounts Liquid
Grace Period for Account Changes 7 days
Certificate Term 11 months

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