Best Credit Union 2 Year CD Rates in Michigan, MI

You are viewing rates from credit unions across Michigan

Below are two year Certificates of Deposit (CD) rates from credit unions located in Michigan. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on credit union and bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

MI - August 1, 2025

2 Year CD National Average : 0.66% ^?

Credit Unions	APY	MIN	MILES ^?
American 1 Michigan Services Branch Restrictions	4.25%	$500	-	Learn More Add Review
Dow Dow Chemical Employe Branch Restrictions	4.20%	$500	-	Learn More Add Review
Rate History: 4.09% → 3.90% → 3.80% → 4.30% → 4.20%
First United First United Credit Union Branch Restrictions	4.10% 4.00%	$50,000 $100	-	Learn More Add Review
Covantage Covantage Branch Restrictions	4.00%	$1,000	-	Learn More Add Review
Wings Financial Wings Financial Branch Restrictions	3.80% 1.81% 1.76% 1.71% 1.66%	$501 $250,000 $100,000 $10,000 $500	-	Learn More Add Review
Rate History: 5.35% → 3.80%
Michigan State University Michigan State Unive Branch Restrictions	3.80% 3.65%	$100,000 $500	-	Learn More Add Review
Rate History: 4.80% → 3.80%
Lake Michigan Lake Michigan Branch Restrictions	3.50%	$500	-	Learn More Add Review
Rate History: 3.00% → 3.50%
Genisys Genisys Branch Restrictions	3.41% 3.36%	$100,000 $500	-	Learn More Add Review
Rate History: 3.64% → 3.69% → 3.65% → 3.78% → 3.41%
Farmers Insurance Group Farmers Insurance Gr Branch Restrictions	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 3.75% → 3.50% → 3.25% → 2.75%
Unify Financial York Township Branch Restrictions	2.70% 2.55% 2.40%	$100,000 $40,000 $1,000	-	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
Kenowa Community Kenowa Community Branch Restrictions	2.68%	$500	-	Learn More Add Review
Rate History: 2.43% → 2.68%
United United Branch Restrictions	2.60%	$500	-	Learn More Add Review
New England Bricktown Branch Restrictions	2.27%	$500	-	Learn More Add Review
Rate History: 4.58% → 2.27%
Everwise Teachers Branch Restrictions	2.22%	$500	-	Learn More Add Review
Dfcu Financial Dfcu - Briarwood Branch Restrictions	2.20% 2.00% 1.75%	$100,000 $25,000 $1,000	-	Learn More
Melvin Markwardt \| Oct 7, 2023 Have a problem that ICan not find an answer to in DFCU Financial. Trying to change info from USMail to Internet. They ask for my account number and the only thing I can find is onPurshing note. It is, H25... Read More Reviews (1)
Country Heritage Country Heritage Branch	1.26%	$10,000	-	Learn More Add Review
Jolt	1.21%	$10,000	-	Learn More Add Review
Wildfire Wildfire Branch Restrictions	1.20%	$100,000	-	Learn More Add Review
Elga Elga Branch Restrictions	1.15%	$100,000	-	Learn More Add Review
Dort Financial	1.15%	$100,000	-	Learn More Add Review
West Michigan West Michigan Branch Restrictions	1.11%	$100,000	-	Learn More Add Review
Limestone Limestone Branch Restrictions	1.10%	$100,000	-	Learn More
Mymomo05 \| Jan 23, 2019 This place is absolutely not for their members like they claim. They charge astronomical interest rates and put you on a balloon if you have less than perfect credit. Not to mention, the little fact that... Read More Reviews (1)
Settlers Settlers Branch	1.06%	$500	-	Learn More Add Review
Adventure Option 1 Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Peninsula Peninsula Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Team One Team One Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Elga Elga Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Our Our Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Filer Filer Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Safe Harbor Safe Harbor Cu Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Wildfire Wildfire Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Michigan First St. Clair Shores Kroger Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Zeal Co-op Services Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Credit Union Advantage Credit Union Advanta Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Consumers Professional Consumers Profession Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
4front Members Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Delta County Delta County Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
St. Francis X St. Francis X Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Northland Area Northland Area Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Safe Harbor Safe Harbor Cu Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
United Financial United Financial Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Dort Financial	0.90%	$10,000	-	Learn More Add Review
Circle Greater Niles Commun Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Diversified Members Detroit Metropolitan Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Frankenmuth Frankenmuth Branch Restrictions	0.86%	$100,000	-	Learn More Add Review
Baraga County Baraga County Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Great Lakes First Great Lakes First Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Alpena-alcona Area Alpena-alcona Area Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Filer Filer Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Family First Family First Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Health Advantage Saginaw Medical Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Financial Plus Fpcu Howell Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Security Lapeer Office Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Lafcu St. Johns Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Case Case Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Omni Community Omni Community Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Kellogg Community Dickman Branch Restrictions	0.85%	$100,000	-	Learn More
Betha \| Oct 18, 2021 Disappointed with a car loan I got there. I asked if there was a penalty for prepayment and the loan officer assured me there wasn’t. He didn’t tell me that I was getting a pre-calculated loan ( Rule o... Read More Reviews (1)
Zeal Co-op Services Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Credit Union Advantage Credit Union Advanta Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Frankenmuth Frankenmuth Branch Restrictions	0.81%	$10,000	-	Learn More Add Review
Consumers Professional Consumers Profession Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
St. Francis X St. Francis X Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Gerber Gerber Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Isabella Community Isabella Community Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Preferred Grand Valley Co-op Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
River Valley River Valley Branch	0.80%	$10,000	-	Learn More Add Review
First General First General Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Port City Port City Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
United Financial United Financial Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Pfcu	0.80%	$10,000	-	Learn More Add Review
Lafcu St. Johns Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Lenco Lenco Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Selfreliance Restrictions	0.80%	$10,000	-	Learn More Add Review
4front Members Branch Restrictions	0.75%	$1,000	-	Learn More Add Review
Embers U.p. Catholic Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
U.p. State U.p. State Branch	0.75%	$10,000	-	Learn More Add Review
Iron Mountain Kingsford Community Iron Mountain Kingsf Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Tri-county Tri-county Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Soo Co-op Soo Co-op Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Wexford Community Wexford Community Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Family Financial Family Financial Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Community First Community First Branch	0.75%	$10,000	-	Learn More Add Review
Best Financial Community Schools Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Aac Aac Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Gr Consumers Gr Consumers Branch	0.75%	$10,000	-	Learn More Add Review
Michigan First St. Clair Shores Kroger Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Cp Cp Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
South Central South Central Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Vibe Oakland County Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Christian Financial Christian Financial Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Intouch Intouch Branch Restrictions	0.70%	$1,000	-	Learn More Add Review
Calcite Calcite Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Compass Rogue River Communit Branch	0.70%	$10,000	-	Learn More Add Review
Great Lakes Credit Union Plus Branch	0.70%	$10,000	-	Learn More Add Review
Financialedge Community Financialedge Commun Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Harborlight Harborlight Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Service 1 Service 1 Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Parda Parda Branch Restrictions	0.70%	$10,000	-	Learn More
Renee G \| Mar 3, 2021 I have had a few on line issues over the past 2 days one gets corrected to have another creep up. I have talked to Nicole lots of times over the past few years, Tiffany yesterday and Yvette today. All 3 ... Read More Reviews (1)
Bloom My Personal Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Kent County Kent County Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Michigan Educational Michigan Educational Branch Restrictions	0.70%	$10,000	-	Learn More
gdellcdell@aol.com \| Jul 3, 2021 Question, what is the suffix I use when making a deposit? Is it 03? Read More Reviews (1)
Cornerstone Community Financial Somerset Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Vibe Oakland County Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Extra Extra Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Members First Members First Credit Union -mt. Pleasant Bluegrass Branch Restrictions	0.69%	$10,000	-	Learn More Add Review
Integra First Menominee County Branch Restrictions	0.66%	$500	-	Learn More Add Review
Trunorth Inside Walmart Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Tri-county Tri-county Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Limestone Limestone Branch Restrictions	0.65%	$10,000	-	Learn More
Mymomo05 \| Jan 23, 2019 This place is absolutely not for their members like they claim. They charge astronomical interest rates and put you on a balloon if you have less than perfect credit. Not to mention, the little fact that... Read More Reviews (1)
Credit Union One Credit Union One Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Family Financial Family Financial Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Lake Trust Lake Trust Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Harborlight Harborlight Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Muskegon Co Op Muskegon Co Op Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Muskegon Muskegon Governmenta Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Arbor Financial Plainwell Office Branch Restrictions	0.65%	$100,000	-	Learn More Add Review
Lake Huron Lake Huron Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Astera Auto Body Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Alliance Catholic Michigan Catholic Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Tlc Community T L C Community Branch Restrictions	0.65%	$10,000	-	Learn More
Deborah y \| Jun 9, 2019 Vacation funds for Read More Reviews (2)
Cornerstone Community Financial Somerset Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Loc Loc Branch Restrictions	0.60%	$500	-	Learn More Add Review
Traverse Catholic East Traverse Cathol Branch	0.60%	$10,000	-	Learn More Add Review
West Michigan West Michigan Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Forest Area Forest Area Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Financialedge Community Financialedge Commun Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Wanigas Wanigas Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Community Choice Community Choice Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Bloom My Personal Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Rivertown Community Rivertown Community Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
First Area First Area Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
University Of Michigan University Of Michig Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Thornapple Thornapple Valley Co Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Omni Community Omni Community Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Kalsee Kalsee Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Kellogg Community Dickman Branch Restrictions	0.60%	$10,000	-	Learn More
Betha \| Oct 18, 2021 Disappointed with a car loan I got there. I asked if there was a penalty for prepayment and the loan officer assured me there wasn’t. He didn’t tell me that I was getting a pre-calculated loan ( Rule o... Read More Reviews (1)
Marshall Community Marshall Community Branch Restrictions	0.60%	$100,000	-	Learn More Add Review
Directions Restrictions	0.60%	$10,000	-	Learn More Add Review
Michigan Schools And Government Michigan Schools And Branch Restrictions	0.60%	$10,000	-	Learn More
Roger \| Aug 6, 2019 These people are crooks. They make up ways to steal your money through fees. They will short you on your interest. Beware! Read More Reviews (2)
Sunrise Family Sunrise Family Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Copoco Community Copoco Community Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Marquette Community Marquette Community Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Awakon Onaway Community Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
North Central Area North Central Area Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Tba Tba Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Credit Union One Credit Union One Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
United Bay Community United Bay Community Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Consumers Gull Road Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Community West Kentwood Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
University Of Michigan University Of Michig Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Blueox United Educational Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Marshall Community Marshall Community Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Honor Berrien Teachers Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Michigan One Community Michigan One Communi Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Consumers Gull Road Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Greenstate Restrictions	0.40%	$500	-	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
Torch Lake Torch Lake Branch	0.40%	$10,000	-	Learn More Add Review
Straits Area Branch Office Restrictions	0.40%	$10,000	-	Learn More Add Review
People Driven Peoples Trust Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Credit Union One Credit Union One Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
People Driven Peoples Trust Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Public Service Public Service Branch Restrictions	0.35%	$100,000	-	Learn More Add Review
Catholic Vantage Financial	0.35%	$10,000	-	Learn More Add Review
Public Service Public Service Branch Restrictions	0.31%	$10,000	-	Learn More Add Review
Advia E & A Branch Restrictions	0.30%	$10,000	-	Learn More
justjan711 \| Dec 9, 2018 I have been a member of this credit union for more than 40 years. Over time it has had many changes but the worst one they did was to hire the man that is the manager of the Cranston Road Branch. He is c... Read More Reviews (2)
Lake Superior Lake Superior Branch	0.25%	$10,000	-	Learn More Add Review
Arbor Financial Plainwell Office Branch Restrictions	0.25%	$10,000	-	Learn More Add Review
Aeroquip Aeroquip Branch Restrictions	0.20%	$1,000	-	Learn More Add Review
Meijer Meijer Branch Restrictions	0.20%	$500	-	Learn More
Akoetje \| Jan 24, 2020 It is not available online. Simply call the main branch at 616.784.4822 and they will send one in the mail or over email. Cutoff time for domestic wire is 4pm and international is 11am. Flat $25 fee Read More Reviews (8)
Community Financial Community Financial Novi Branch Restrictions	0.10%	$10,000	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
AMERICAN 1 Michigan Services Michigan Services Branch	27650 Franklin Rd	Southfield	MI
DOW Dow Chemical Employe Dow Chemical Employe Branch	600 E. Lyon Road	Midland	MI
FIRST UNITED First United Credit Union First United Credit Union Branch	3140 Ivanrest Ave SW	Grandville	MI
FIRST UNITED First United Credit Union First United Credit Union Branch	3140 Ivanrest Ave SW	Grandville	MI
COVANTAGE Covantage Covantage Branch	1 Credit Union Way	Crystal Falls	MI
WINGS FINANCIAL Wings Financial Wings Financial Branch	Detroit Airport/McNamara Terminal	Romulus	MI
MICHIGAN STATE UNIVERSITY Michigan State Unive Michigan State Unive Branch	3777 West Road	East Lansing	MI
MICHIGAN STATE UNIVERSITY Michigan State Unive Michigan State Unive Branch	3777 West Road	East Lansing	MI
LAKE MICHIGAN Lake Michigan Lake Michigan Branch	4027 Lake Drive SE	Grand Rapids	MI
GENISYS Genisys Genisys Branch	2100 Executive Hills Blvd.	Auburn Hills	MI
GENISYS Genisys Genisys Branch	2100 Executive Hills Blvd.	Auburn Hills	MI
FARMERS INSURANCE Farmers Insurance Gr Farmers Insurance Gr Branch	5600 Beech Tree Lane	Caledonia	MI
UNIFY FINANCIAL York Township York Township Branch	Toyota Technical Center	Saline	MI
KENOWA COMMUNITY Kenowa Community Kenowa Community Branch	1905 28th Street SW	Wyoming	MI
UNITED United United Branch	2807 South State Street	Saint Joseph	MI
UNIFY FINANCIAL York Township York Township Branch	Toyota Technical Center	Saline	MI
UNIFY FINANCIAL York Township York Township Branch	Toyota Technical Center	Saline	MI
EASTRISE Bricktown Bricktown Branch	500 E Lafayette Blvd	Detroit	MI
EVERWISE Teachers Teachers Branch	1500 S 11th St	Niles	MI
DFCU FINANCIAL Dfcu - Briarwood Branch Dfcu - Briarwood Branch	225 Briarwood Cir	Ann Arbor	MI
DFCU FINANCIAL Dfcu - Briarwood Branch Dfcu - Briarwood Branch	225 Briarwood Cir	Ann Arbor	MI
WINGS FINANCIAL Wings Financial Wings Financial Branch	Detroit Airport/McNamara Terminal	Romulus	MI
WINGS FINANCIAL Wings Financial Wings Financial Branch	Detroit Airport/McNamara Terminal	Romulus	MI
DFCU FINANCIAL Dfcu - Briarwood Branch Dfcu - Briarwood Branch	225 Briarwood Cir	Ann Arbor	MI
WINGS FINANCIAL Wings Financial Wings Financial Branch	Detroit Airport/McNamara Terminal	Romulus	MI
WINGS FINANCIAL Wings Financial Wings Financial Branch	Detroit Airport/McNamara Terminal	Romulus	MI
COUNTRY HERITAGE Country Heritage Country Heritage Branch	16580 Bakertown Road	Buchanan	MI
WILDFIRE Wildfire Wildfire Branch	6640 Bay Road	Saginaw	MI
ELGA Elga Elga Branch	2303 S. Center Road	Burton	MI
WEST MICHIGAN West Michigan West Michigan Branch	1319 Front Ave NW	Grand Rapids	MI
LIMESTONE Limestone Limestone Branch	131 RIVER STREET	MANISTIQUE	MI
SETTLERS Settlers Settlers Branch	14623 State Hwy M28	Bruce Crossing	MI
ADVENTURE Option 1 Option 1 Branch	630 32nd Street SE	Grand Rapids	MI
PENINSULA Peninsula Peninsula Branch	301 North 30th Street	Escanaba	MI
TEAM ONE Team One Team One Branch	520 HAYDEN ST	SAGINAW	MI
ELGA Elga Elga Branch	2303 S. Center Road	Burton	MI
OUR Our Our Branch	3070 Normandy	Royal Oak	MI
FILER Filer Filer Branch	1117 28th St.	Manistee	MI
SAFE HARBOR Safe Harbor Cu Safe Harbor Cu Branch	1200 E Tinkham Ave	Ludington	MI
WILDFIRE Wildfire Wildfire Branch	6640 Bay Road	Saginaw	MI
MICHIGAN FIRST St. Clair Shores Kroger Branch St. Clair Shores Kroger Branch	22332 E 9 Mile Rd	Saint Clair Shores	MI
ZEAL Co-op Services Co-op Services Branch	29550 Five Mile Rd.	Livonia	MI
CREDIT UNION ADVANTAGE Credit Union Advanta Credit Union Advanta Branch	22250 Providence Drive	Southfield	MI
CONSUMERS PROFESSIONAL Consumers Profession Consumers Profession Branch	525 W. Willow	Lansing	MI
4FRONT Members Members Branch	3745 N. US 31 South	Traverse City	MI
DELTA COUNTY Delta County Delta County Branch	2600 1st Ave S	Escanaba	MI
ST. FRANCIS X St. Francis X St. Francis X Branch	2140 M 119	Petoskey	MI
NORTHLAND AREA Northland Area Northland Area Branch	4346 F 41	Oscoda	MI
SAFE HARBOR Safe Harbor Cu Safe Harbor Cu Branch	1200 E Tinkham Ave	Ludington	MI
UNITED FINANCIAL United Financial United Financial Branch	5658 DIXIE HWY	SAGINAW	MI
CIRCLE Greater Niles Commun Greater Niles Commun Branch	507 E Main Street	Niles	MI
DIVERSIFIED MEMBERS Detroit Metropolitan Detroit Metropolitan Branch	1480 E Jefferson Ave	Detroit	MI
FRANKENMUTH Frankenmuth Frankenmuth Branch	580 N Main St	Frankenmuth	MI
BARAGA COUNTY Baraga County Baraga County Branch	101 E Broad St	Lanse	MI
GREAT LAKES FIRST Great Lakes First Great Lakes First Branch	2110 Third Ave N	Escanaba	MI
ALPENA-ALCONA AREA Alpena-alcona Area Alpena-alcona Area Branch	1100 S Bagley Street	Alpena	MI
FILER Filer Filer Branch	1117 28th St.	Manistee	MI
FAMILY FIRST Family First Family First Branch	1011 North Michigan Avenue	Saginaw	MI
HEALTH ADVANTAGE Saginaw Medical Saginaw Medical Branch	4550 STATE ST	SAGINAW	MI
FINANCIAL PLUS Fpcu Howell Branch Fpcu Howell Branch	5990 E Grand River Ave	Howell	MI
SECURITY Lapeer Office Lapeer Office Branch	1675 N Lapeer Rd	Lapeer	MI
LAFCU St. Johns St. Johns Branch	2317 S US Highway 27	Saint Johns	MI
CASE Case Case Branch	4316 S Pennsylvania Ave	Lansing	MI
OMNI COMMUNITY Omni Community Omni Community Branch	3141 Capital Ave SW	Battle Creek	MI
KELLOGG COMMUNITY Dickman Dickman Branch	2925 W Dickman Rd	Springfield	MI
ZEAL Co-op Services Co-op Services Branch	29550 Five Mile Rd.	Livonia	MI
CREDIT UNION ADVANTAGE Credit Union Advanta Credit Union Advanta Branch	22250 Providence Drive	Southfield	MI
FRANKENMUTH Frankenmuth Frankenmuth Branch	580 N Main St	Frankenmuth	MI
CONSUMERS PROFESSIONAL Consumers Profession Consumers Profession Branch	525 W. Willow	Lansing	MI
ST. FRANCIS X St. Francis X St. Francis X Branch	2140 M 119	Petoskey	MI
GERBER Gerber Gerber Branch	508 State Street	Fremont	MI
ISABELLA COMMUNITY Isabella Community Isabella Community Branch	2400 S Isabella RD	MT Pleasant	MI
PREFERRED Grand Valley Co-op Grand Valley Co-op Branch	3767 Sparks Drive SE	Grand Rapids	MI
RIVER VALLEY River Valley River Valley Branch	7130 E Fulton	Ada	MI
FIRST GENERAL First General First General Branch	589 E Ellis	Muskegon	MI
PORT CITY Port City Port City Branch	460 West Laketon Avenue	Muskegon	MI
UNITED FINANCIAL United Financial United Financial Branch	5658 DIXIE HWY	SAGINAW	MI
LAFCU St. Johns St. Johns Branch	2317 S US Highway 27	Saint Johns	MI
LENCO Lenco Lenco Branch	615 W. Maple Ave.	Adrian	MI
4FRONT Members Members Branch	3745 N. US 31 South	Traverse City	MI
EMBERS U.p. Catholic U.p. Catholic Branch	1001 W Baraga Avenue	Marquette	MI
U.P. STATE U.p. State U.p. State Branch	2501 1st Avenue North	Escanaba	MI
IRON MOUNTAIN KINGSFORD COMMUNITY Iron Mountain Kingsf Iron Mountain Kingsf Branch	400 South Carpenter Ave	Kingsford	MI
TRI-COUNTY Tri-county Tri-county Branch	912 14th Avenue	Menominee	MI
SOO CO-OP Soo Co-op Soo Co-op Branch	536 Bingham Avenue	Sault Sainte Ma	MI
WEXFORD COMMUNITY Wexford Community Wexford Community Branch	1021 N. Mitchel St	Cadillac	MI
FAMILY FINANCIAL Family Financial Family Financial Branch	525 W Barney Ave	Muskegon	MI
COMMUNITY FIRST Community First Community First Branch	9637 N Greenville	Lakeview	MI
BEST FINANCIAL Community Schools Community Schools Branch	1888 E Sherman	Muskegon	MI
AAC Aac Aac Branch	904 Broadway NW	Grand Rapids	MI
GR CONSUMERS Gr Consumers Gr Consumers Branch	3975 Clay Ave SW	Wyoming	MI
MICHIGAN FIRST St. Clair Shores Kroger Branch St. Clair Shores Kroger Branch	22332 E 9 Mile Rd	Saint Clair Shores	MI
CP Cp Cp Branch	1100 Clinton Road	Jackson	MI
SOUTH CENTRAL South Central South Central Branch	958 W. Monroe	Jackson	MI
VIBE Oakland County Oakland County Branch	1375 N. Oakland Blvd	Waterford	MI
CHRISTIAN FINANCIAL Christian Financial Christian Financial Branch	18441 Utica	Roseville	MI
INTOUCH Intouch Intouch Branch	1075 W. Entrance Dr. Room 122	Auburn Hills	MI
CALCITE Calcite Calcite Branch	478 N. Third St.	Rogers City	MI
COMPASS Rogue River Communit Rogue River Communit Branch	485 S. State St	Sparta	MI
GREAT LAKES Credit Union Plus Credit Union Plus Branch	415 Washington Ave	Bay City	MI
FINANCIALEDGE Financialedge Commun Financialedge Commun Branch	1199 S Euclid Ave	Bay City	MI
HARBORLIGHT Harborlight Harborlight Branch	2151 Cogswell Dr	Whitehall	MI
SERVICE 1 Service 1 Service 1 Branch	1075 E. Sherman Blvd	Muskegon	MI
PARDA Parda Parda Branch	2601 Cambridge Court, Suite 210	Auburn Hills	MI
BLOOM My Personal My Personal Branch	1414 Burton SW	Wyoming	MI
INTANDEM Kent County Kent County Branch	1619 Plainfield NE	Grand Rapids	MI
MICHIGAN EDUCATIONAL Michigan Educational Michigan Educational Branch	9200 Haggerty Road	Plymouth	MI
CORNERSTONE COMMUNITY FINANCIAL Somerset Branch Somerset Branch	3001 W Big Beaver Rd Ste 108	Troy	MI
VIBE Oakland County Oakland County Branch	1375 N. Oakland Blvd	Waterford	MI
EXTRA Extra Extra Branch	6611 Chicago Road	Warren	MI
MEMBERS FIRST Members First Credit Union -mt. Pleasant Bluegrass Members First Credit Union -mt. Pleasant Bluegrass Branch	4490 E Blue Grass Rd	Mt Pleasant	MI
INTEGRA FIRST Menominee County Menominee County Branch	W3803 US HIGHWAY 2/41	POWERS	MI
TRUNORTH Inside Walmart Inside Walmart Branch	3225 US Highway 41 W	Marquette	MI
TRI-COUNTY Tri-county Tri-county Branch	912 14th Avenue	Menominee	MI
LIMESTONE Limestone Limestone Branch	131 RIVER STREET	MANISTIQUE	MI
CREDIT UNION ONE Credit Union One Credit Union One Branch	400 E. Nine Mile Road	Ferndale	MI
FAMILY FINANCIAL Family Financial Family Financial Branch	525 W Barney Ave	Muskegon	MI
LAKE TRUST Lake Trust Lake Trust Branch	501 S Capitol Ave	Lansing	MI
HARBORLIGHT Harborlight Harborlight Branch	2151 Cogswell Dr	Whitehall	MI
ROUTE 31 Muskegon Co Op Muskegon Co Op Branch	1051 Peck Street	Muskegon	MI
MUSKEGON Muskegon Governmenta Muskegon Governmenta Branch	65 W. LAKETON AVE	MUSKEGON	MI
ARBOR FINANCIAL Plainwell Office Plainwell Office Branch	390 OAKS XING	PLAINWELL	MI
LAKE HURON Lake Huron Lake Huron Branch	1540 Tittabawassee	Saginaw	MI
ASTERA Auto Body Auto Body Branch	111 S Waverly Rd	Lansing	MI
ALLIANCE CATHOLIC Michigan Catholic Michigan Catholic Branch	255 E Maple Rd	Troy	MI
TLC COMMUNITY T L C Community T L C Community Branch	3030 S. Adrian Hwy	Adrian	MI
CORNERSTONE COMMUNITY FINANCIAL Somerset Branch Somerset Branch	3001 W Big Beaver Rd Ste 108	Troy	MI
LOC Loc Loc Branch	22981 Farmington Rd	Farmington	MI
TRAVERSE CATHOLIC East Traverse Cathol East Traverse Cathol Branch	3797 Veterans Drive	Traverse City	MI
WEST MICHIGAN West Michigan West Michigan Branch	1319 Front Ave NW	Grand Rapids	MI
FOREST AREA Forest Area Forest Area Branch	638 Boyd Street	Fife Lake	MI
FINANCIALEDGE Financialedge Commun Financialedge Commun Branch	1199 S Euclid Ave	Bay City	MI
WANIGAS Wanigas Wanigas Branch	1837 Bagley Street	Saginaw	MI
COMMUNITY CHOICE Community Choice Community Choice Branch	31155 Northwestern Hwy	Farmington Hill	MI
BLOOM My Personal My Personal Branch	1414 Burton SW	Wyoming	MI
RIVERTOWN COMMUNITY Rivertown Community Rivertown Community Branch	3121 Macatawa Dr SW	Grandville	MI
FIRST AREA First Area First Area Branch	193 Campbell Ln	Saginaw	MI
UNIVERSITY OF MICHIGAN University Of Michig University Of Michig Branch	333 E. William	Ann Arbor	MI
THORNAPPLE Thornapple Valley Co Thornapple Valley Co Branch	202 E Woodlawn Ave	Hastings	MI
OMNI COMMUNITY Omni Community Omni Community Branch	3141 Capital Ave SW	Battle Creek	MI
KALSEE Kalsee Kalsee Branch	2501 Millcork	Kalamazoo	MI
KELLOGG COMMUNITY Dickman Dickman Branch	2925 W Dickman Rd	Springfield	MI
MARSHALL COMMUNITY Marshall Community Marshall Community Branch	839 W Green St	Marshall	MI
MICHIGAN SCHOOLS AND GOVERNMENT Michigan Schools And Michigan Schools And Branch	40400 Garfield Road	Clinton Townshi	MI
SUNRISE FAMILY Sunrise Family Sunrise Family Branch	404 S. Euclid	Bay City	MI
COPOCO COMMUNITY Copoco Community Copoco Community Branch	4265 Wilder Rd	Bay City	MI
MARQUETTE COMMUNITY Marquette Community Marquette Community Branch	1230 West Washington St	Marquette	MI
AWAKON Onaway Community Onaway Community Branch	20855 Washington Ave	Onaway	MI
NORTH CENTRAL AREA North Central Area North Central Area Branch	2665 S. Reserve	Houghton Lake	MI
TBA Tba Tba Branch	3033 Cedar Valley Drive	Traverse City	MI
CREDIT UNION ONE Credit Union One Credit Union One Branch	400 E. Nine Mile Road	Ferndale	MI
UNITED BAY COMMUNITY United Bay Community United Bay Community Branch	1309 N. Lincoln Avenue	Bay City	MI
CONSUMERS Gull Road Gull Road Branch	5940 Gull Rd	Kalamazoo	MI
COMMUNITY WEST Kentwood Kentwood Branch	4045 60th ST SE	Kentwood	MI
UNIVERSITY OF MICHIGAN University Of Michig University Of Michig Branch	333 E. William	Ann Arbor	MI
IGNITE United Educational United Educational Branch	115 Riverside Dr	Battle Creek	MI
MARSHALL COMMUNITY Marshall Community Marshall Community Branch	839 W Green St	Marshall	MI
HONOR Berrien Teachers Berrien Teachers Branch	2920 Lakeveiw Ave	St Joseph	MI
MICHIGAN ONE COMMUNITY Michigan One Communi Michigan One Communi Branch	510 S Dexter St	Ionia	MI
CONSUMERS Gull Road Gull Road Branch	5940 Gull Rd	Kalamazoo	MI
TORCH LAKE Torch Lake Torch Lake Branch	100 Calumet Street	Lake Linden	MI
STRAITS AREA Branch Office Branch Office	6090 M 68 Hwy	Indian River	MI
PEOPLE DRIVEN Peoples Trust Peoples Trust Branch	24333 Lahser	Southfield	MI
CREDIT UNION ONE Credit Union One Credit Union One Branch	400 E. Nine Mile Road	Ferndale	MI
PEOPLE DRIVEN Peoples Trust Peoples Trust Branch	24333 Lahser	Southfield	MI
PUBLIC SERVICE Public Service Public Service Branch	7665 Merriman Rd	Romulus	MI
PUBLIC SERVICE Public Service Public Service Branch	7665 Merriman Rd	Romulus	MI
ADVIA E & A E & A Branch	500 10th St	Port Huron	MI
LAKE SUPERIOR Lake Superior Lake Superior Branch	801 River Street	Ontonagon	MI
ARBOR FINANCIAL Plainwell Office Plainwell Office Branch	390 OAKS XING	PLAINWELL	MI
AEROQUIP Aeroquip Aeroquip Branch	901 Plymouth St	Jackson	MI
MEIJER Meijer Meijer Branch	2410 Gaynor Ave NW	Grand Rapids	MI
COMMUNITY FINANCIAL Community Financial Novi Community Financial Novi Branch	23890 NOVI RD	NOVI	MI

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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

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PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

NCUA Insurance

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

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