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.
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.
How it works
It’s easy to open a Certificate with us
Open a Certificate at a branch office.
Make an initial deposit.
Start compounding dividends monthly.