Mississippi Best CD Rates September 2026

Balance: $50,000 and over

Rewards APY; Regular APY

Rewards APY 0.60%; Regular APY 0.50%

Balance: $500 - $49,999.99

Regular APY; Dividend Rate

APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not.

Early withdrawal penalties may apply.

Relationship APY 0.06%. Early withdrawal penalties may apply.

Monthly Interest / Monthly Check - Posted rate less .20% APY. Additional deposits are permitted to share certificates up to 10 days after open/renewal date.

Compound: At Maturity

Balance: $100 to $999.99; Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term.

Rewards APY; Regular APY

Rewards APY 1.35%; Regular APY 1.25%

Regular APY; Dividend Rate

Balance: $50,000 and over

Balance: $500 - $49,999.99

Term: 6 Month Cert. / New Money; New Money

Non-premier member APY: 0.60% | Dividend Rate: 0.60%

APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.

APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not.

Balance: $2,000-$99,999

Early withdrawal penalties may apply.

Relationship APY 0.06%. Early withdrawal penalties may apply.

Non-premier member rate: 3.25% | 3.20%; Traditional & Roth Certificates Rates

IRA and Roth Certificates

Non-premier member APY: 3.00% | Dividend Rate: 2.96%

Compound: Quarterly

Term: 18-Month Business Certificate; Minimum balance to open a Business Certificate is $500

Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 18 month, 24 month, and 30 month certificates are subject to a loss of 90 days interest, whether earned or not. All deposits are federally insured up to at least $250,000.00 by the NCUA.

Dividends are compounded and declared monthly based on available earnings, computed on the average daily balance. APY=Annual Percentage Yield. Rates are effective as of 09/18/2025. Fees may reduce earnings on the account. Penalties for early withdrawal. All rates are subject to change without notice.

Monthly Interest / Monthly Check - Posted rate less .20% APY. Additional deposits are permitted to share certificates up to 10 days after open/renewal date.

Balance: $50,000 and over

Balance: $500 - $49,999.99

APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.

APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.

Compound: Quarterly

Term: 24-Month Business Certificate; Minimum balance to open a Business Certificate is $500

For longer terms and higher rates, contact Amy at [email protected] or (228) 896-0038 .

Rewards APY; Regular APY

Rewards APY 2.60%; Regular APY 2.34%

Rewards APY 2.60%; Regular APY 2.34%

Regular APY; Dividend Rate

Dividends are compounded and declared monthly based on available earnings, computed on the average daily balance. APY=Annual Percentage Yield. Rates are effective as of 09/18/2025. Fees may reduce earnings on the account. Penalties for early withdrawal. All rates are subject to change without notice.

Balance: $50,000 and over

Balance: $500 - $49,999.99

Monthly Interest / Monthly Check - Posted rate less .20% APY. Additional deposits are permitted to share certificates up to 10 days after open/renewal date.