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Summer Goals? Start Saving Now.
This February, open a 5‑Month Term Savings account—online or in person—at 4.07% APY* and give your savings a boost by summer! Plus, it's now available for automatic renewal.
It's a Great Opportunity to Earn More.
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Take advantage of our 5-Month Term Savings Special from February 1st through 28th and enjoy the benefits of this secure, short-term way to earn extra money just by letting it sit.How to Get Started:
- You can open a Term Savings account anytime, anywhere through our Online Banking or Mobile App platforms.
- Send us a message through your Online Banking or Mobile App
- Notify us through our Contact Us webpage
- Call 1(209)383-5550 and enter extension 105, 107, 119, 144, 148, 154 or 155.
- Swing by a branch and speak with an employee in person
No matter how you choose to request the Special 5-Month Term Savings, we'll guide you through the process, ensuring you start earning more in no time!
Not yet a member? Check out Who Can Join and Become a Member today.
MSEFCU's 5-Month Term Savings Special
| Dividend Rate | Annual Percentage Yield* | Term length |
| 4.00% | 4.07% | 5 Months |
*APY = Annual Percentage Yield. Promotional 5 Month Term Savings Special available February 1–28, 2026. Minimum opening deposit is $2,000, or $1,000 for Smart Start account holders. Dividends compound monthly and are earned from the date of deposit to the date of withdrawal. At purchase, you may choose to have this account automatically renew for the same 5 month term at the then current rate or have the full balance automatically transferred into your selected savings (share) account. Other rates and terms are available. Early withdrawal penalties may apply. Rates subject to change. Federally insured by the NCUA.
What is the difference between APY and the dividend rate?
APY: APY stands for Annual Percentage Yield. It’s a percentage that tells you how much money you can expect to earn on your term savings over one year (12 months) and includes compound interest. APY may be higher than the dividend rate due to compound interest.
Dividend Rate: The dividend rate (aka interest rate) is used to calculate the amount of money that will be deposited as dividends each month. Dividends are commonly referred to as interest. Unlike APY, the dividend rate does not include compound interest.
APY: APY stands for Annual Percentage Yield. It’s a percentage that tells you how much money you can expect to earn on your term savings over one year (12 months) and includes compound interest. APY may be higher than the dividend rate due to compound interest.
Dividend Rate: The dividend rate (aka interest rate) is used to calculate the amount of money that will be deposited as dividends each month. Dividends are commonly referred to as interest. Unlike APY, the dividend rate does not include compound interest.
