# Mills42 Federal Credit Union 5-Month Certificate: 3.75% APY

Canonical: https://dealaka.com/offers/mills42-federal-credit-union-5-month-certificate-rate

- Status: Limited reports
- Bonus: 3.75% APY
- APY: 3.75% (5-month term)
- Requirement: $500 minimum, 5-month term, estatements required
- Expires: no published end date
- Availability: Nationwide
- Institution: Mills42 Federal Credit Union
- Verified: Aug 12, 2026 against mills42fcu.com
- Field reports: 0

## Summary
Mills42 FCU offers 3.75% APY on a 5-month certificate with a $500 minimum deposit. The highest dividend rate requires estatements; without them a lower standard rate applies. Dividends are compounded daily and posted monthly and at maturity.

## Requirements
1. Apply through the offer page to open the 5-Month Certificate.
2. Complete the requirement: $500 minimum, 5-month term, estatements required.

## Fine print that matters
- Minimum balance of $500 required to open account and earn dividends
- Highest dividend rates require estatements
- Without estatements, lower standard rate will apply
- Rate will remain in effect for the term of the certificate once issued
- Dividends compounded daily and posted monthly and at maturity date
- Dividend penalties may apply for early withdrawals
- Member eligibility required

## Sources
- mills42fcu.com rate page <https://www.mills42fcu.com/> (checked Aug 12, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._