MECU offers CD accounts with terms from 6-60 months. MECU offers regular, bump-up, superflex and auto-build CDs. For their regular accounts, the minimum deposit is $500 and interest rates vary from 0.50-1.79% with APYs ranging from 0.50-1.80%. The superflex and auto-build CDs allow for deposits at any time. Interest is guaranteed and deposits are FDIC-insured up to $250,000 per depositor. Customers can also choose when interest is paid: end of term, monthly or annually.