Make your money work even harder
Earn higher rates than traditional savings accounts
Earn More
Get rewarded for committing your savings for a specified time in a certificate.
Earnings Compound Monthly
When your dividends compound, you earn interest on your interest, sometimes called the "magic" of compounding.
Savings, On Your Terms
Pick a certificate length that works for you. Aside from standard terms, keep an eye out for special promotions.
Get Paid Your Way
You can reinvest dividends in the certificate for compounding or transfer them to another account.
Create a Savings Strategy
One example strategy is "laddering," where you can use incremental certificate lengths to create a diversified savings strategy.
Low Starting Deposit
For just a $1,000 starting balance, you can begin saving and earning with a Mocse certificate.
Rates
View ratesEstimate your monthly savings
Let's see what your monthly savings could be.
Monthly Payment
Make the most of your savings
With a certificate, you'll earn a higher rate on your balance, receive monthly dividends, and reach your financial goals faster.
We help you manage your account
We let you know when your certificate matures. Whether you withdraw your money, renew the certificate, or open a new certificate, you can manage your account with online and mobile banking.
Marim was very patient, I had several transactions but made me feel comfortable. Had a question for bank manager, she too was able to answer in a polite demeanor.
I am always happy. The staff is friendly and knowledgeable. Sandy is the best. To the question below, I like to come into the branch and I’d like to do online banking. You only give us one choice.
The staff at the Coffee Road branch is always so sweet, attentive, and helpful — shout out to Selena for helping me twice within the last week, and for being very informative each time!
The representative that helped me was super sweet and helpful. The best customer service I’ve had in a very long time. I’ve been banking with y’all since I was 16, the best bank ever. Major kudos to her she’s awesome.
How it works
It’s easy to open a Certificate with us
Step 1
Open a Certificate at a branch office.
Step 2
Make an initial deposit.
Step 3
Start compounding dividends monthly.
Supercharge your financial plan
Earn better returns with the right certificate
Rates
Standard Term Share Certificates
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Rates effective as of: May 9, 2025
Annual Percentage Yield (APY) is effective as of May 9, 2025.
This 30 day certificate that will auto renew on the maturity date at the then current rate with a 10 day grace period. Penalties for early withdrawal may apply and fees may reduce earnings. We reserve the right to change or discontinue this promotion at any time. Rates are subject to change without notice.
Certificates will auto-renew for the same term at maturity to the then current rate. Penalties for early withdrawal may apply and fees may reduce earnings. Rates are subject to change without notice.
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Rates effective as of: May 9, 2025
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