MECU SuperFlex CD

MECU SuperFlex CD

in CD Accounts from MECU · Member ncua


MECU SuperFlex CD


in CD Accounts from MECU · Member NCUSIF

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Minimum Opening Deposit Starting at $5,000
Deposit 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 CD account.
  • High minimum deposit. You must deposit a minimum of $5,000, which is high compared to most CD accounts.
  • Limited selection of CD terms. MECU SuperFlex CD only offers one CD terms. This limits your options when trying to set up a CD ladder.
Pros & Cons of MECU SuperFlex CD
Pros Cons
  • NCUSIF insured.
  • High-interest yield.
  • No charge on incoming domestic or international wire transfers.
  • Only available in one state.
  • Poor selection of CD terms.
  • There isn't a no-penalty CD 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 person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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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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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View all cd accounts offered by MECU


  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
Deposit Term 11 months

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