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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.


View rates
As high as 4.83 % APY

Estimate your monthly earnings

Let's see what your monthly savings could be.

Final Balance

Contributions:     |    Earnings: 
Earning low or no interest?

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.

term share feature 2
Saving made easy

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.

IRA feature 1

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.

— B. B.
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.
E. T.
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!
J. M.
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.
L. S.

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