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Earn with Confidence

Share Certificates

MUNA offers several great ways to start saving… check out our rates and open your Share Certificate today! Minimum to open a Share Certificate is $1,000.

Term                         APY*

6-Month                      1.55%

1-Year                          3.90%

2-Year                          3.20%

3-Year                          2.40%


*APY – Annual Percentage Yield. Subject to early withdrawal penalty. Rates effective August 18, 2023. Some restrictions apply. Federally insured by NCUA.


Online Banking

Mobile App




Secure Debit Card

Youth Accounts (ages 0-17)

Children up to 17 years of age eligible to open a Youth Share Savings account with MUNA Federal. The minimum deposit to open the account is $5.00 and there is no membership fee. A minimum daily balance of $25.00 must be maintained in the account each day to obtain the disclosed annual percentage yield. Your dividends are compounded and paid quarterly.


Christmas Club

Open a Christmas Club account with no minimum balance and you'll be ready for the holiday season. You can make check or cash deposits or you have the option to deposit to the account by payroll deduction. The big advantage to our Christmas Club accounts is that you will have your money available in your savings to withdraw each year after October 1st.


Money Market Accounts

MUNA Federal Money Market Share Savings accounts earn higher dividend rates than a Regular Share Savings account. You can open your account with a minimum balance as low as $1,000.00. For your convenience, you may transfer or withdraw from the account up to 6 times per month. Dividends are accrued daily and paid monthly at very competitive rates.


Debit Card Round Up Program

Round up your debit card purchases to the nearest dollar to save. Simply enroll in the Round Up program, and each time you make a purchase with your MUNA FCU debit card, we'll round up the total to the nearest dollar amount. At the end of each day, we'll transfer the difference from your checking account to your designated savings account.

For complete information please come into one of our offices today and speak with one of our Account Representatives.

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