Best Credit Union 4 Year CD Rates in Norton Shores, Michigan, MI

You are viewing rates from credit unions across Norton Shores

Below are four year CD Rates from credit unions in Norton Shores, Michigan. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

Norton Shores, MI - August 2, 2025

4 Year CD National Average : 0.82% ^?

Credit Unions	APY	MIN	MILES ^?
American 1 Southfield Branch Restrictions	4.50%	$500	-	Learn More Add Review
Covantage Covantage Credit Union Branch Restrictions	4.35%	$1,000	-	Learn More Add Review
First United First United Credit Union Branch Restrictions	4.10% 4.00%	$50,000 $500	-	Learn More Add Review
Michigan State University Msufcu - East Lansing Branch Restrictions	3.90% 3.75%	$100,000 $500	-	Learn More Add Review
Rate History: 4.35% → 3.90%
Genisys 23 Auburn Hills Branch Restrictions	3.80% 3.75%	$100,000 $500	-	Learn More Add Review
Rate History: 3.92% → 3.94% → 3.81% → 3.83% → 3.80%
Lake Michigan Lake Michigan Credit Union Branch Restrictions	3.55%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.55%
Unify Financial York Township Branch Restrictions	3.20% 3.05% 2.90%	$100,000 $40,000 $1,000	-	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
United St. Joseph - Corporate Office Branch Restrictions	2.70%	$500	-	Learn More Add Review
Farmers Insurance Group Farmers Insurance Group Federal Credit Union Branch Restrictions	2.65% 2.50%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.15% → 3.65% → 3.40% → 3.15% → 2.65%
Wings Financial Detroit/romulus Branch Restrictions	2.53% 2.48% 2.42% 2.37%	$250,000 $100,000 $10,000 $500	-	Learn More Add Review
Kenowa Community Kenowa Community Federal Cu Branch Restrictions	2.41%	$500	-	Learn More Add Review
Rate History: 2.34% → 2.41%
New England Bricktown Branch Restrictions	2.27%	$500	-	Learn More Add Review
Department of Commerce Restrictions	2.02%	$500	-	Learn More
Rate History: 4.50% → 4.35% → 4.08% → 3.30% → 2.02%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
Wildfire Wildfire Credit Union Branch Restrictions	1.55%	$100,000	-	Learn More Add Review
West Michigan Grand Rapids Branch Restrictions	1.47%	$100,000	-	Learn More Add Review
Team One Saginaw Main Branch Restrictions	1.45%	$10,000	-	Learn More Add Review
Health Advantage State St Office Branch Restrictions	1.45%	$10,000	-	Learn More Add Review
Elga Burton Branch Restrictions	1.40%	$100,000	-	Learn More Add Review
Zeal Zeal Credit Union Branch Restrictions	1.40%	$100,000	-	Learn More Add Review
Filer Main Office Branch Restrictions	1.36%	$100,000	-	Learn More Add Review
Country Heritage Country Heritage Credit Union Branch	1.31%	$10,000	-	Learn More Add Review
Safe Harbor Main Office Branch Restrictions	1.30%	$100,000	-	Learn More Add Review
Wildfire Wildfire Credit Union Branch Restrictions	1.30%	$10,000	-	Learn More Add Review
Adventure Corporate Office Branch Restrictions	1.30%	$10,000	-	Learn More Add Review
Zeal Zeal Credit Union Branch Restrictions	1.30%	$10,000	-	Learn More Add Review
Filer Main Office Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Preferred Grand Rapids Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Circle Niles Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Our Normandy Office Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Credit Union Advantage Main Office Branch Restrictions	1.26%	$100,000	-	Learn More Add Review
Baraga County Baraga County Federal Credit Union Branch Restrictions	1.26%	$10,000	-	Learn More Add Review
Peninsula Menominee Office Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Community West Kentwood Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Rivertown Community Rivertown Community Fcu Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Elga Burton Branch Restrictions	1.25%	$10,000	-	Learn More Add Review
Delta County Main Branch Restrictions	1.21%	$10,000	-	Learn More Add Review
Alpena-alcona Area Alpena Office Branch Restrictions	1.21%	$10,000	-	Learn More Add Review
Bloom Wyoming Branch Restrictions	1.21%	$100,000	-	Learn More Add Review
St. Francis X St. Francis X Federal Credit Union Branch Restrictions	1.20%	$100,000	-	Learn More Add Review
Safe Harbor Main Office Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Security Main Office Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Lafcu Main Branch Restrictions	1.20%	$100,000	-	Learn More Add Review
Christian Financial Center Line Branch Restrictions	1.20%	$10,000	-	Learn More Add Review
Integra First Menominee Branch Restrictions	1.16%	$500	-	Learn More Add Review
4front Us31 Branch Restrictions	1.16%	$100,000	-	Learn More Add Review
Cp Spring Arbor Branch Restrictions	1.16%	$10,000	-	Learn More Add Review
Vibe Waterford - County Campus Branch Restrictions	1.16%	$100,000	-	Learn More Add Review
Credit Union Advantage Main Office Branch Restrictions	1.16%	$10,000	-	Learn More Add Review
Great Lakes First Escanaba Office Branch Restrictions	1.15%	$10,000	-	Learn More Add Review
Financial Plus 3381 Van Slyke Rd Branch Restrictions	1.15%	$10,000	-	Learn More Add Review
Omni Community Capital Branch Restrictions	1.15%	$100,000	-	Learn More Add Review
Kellogg Community 2nd Street Branch Restrictions	1.15%	$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)
Embers U P Catholic Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Bloom Wyoming Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
University Of Michigan University Of Michigan Credit Union Branch Restrictions	1.11%	$100,000	-	Learn More Add Review
Lenco Lenco Cu Branch Restrictions	1.11%	$10,000	-	Learn More Add Review
Consumers Professional Cpcu-lansing Branch Restrictions	1.11%	$100,000	-	Learn More Add Review
St. Francis X St. Francis X Federal Credit Union Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Northland Area Tawas Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
River Valley River Valley Credit Union Branch	1.10%	$10,000	-	Learn More Add Review
United Financial United Financial/dixie Hwy Branch Restrictions	1.10%	$100,000	-	Learn More Add Review
Lafcu Main Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Michigan Educational Michigan Educational Credit Union Branch Restrictions	1.10%	$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)
Alliance Catholic Troy Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Cornerstone Community Financial Auburn Hills Branch Restrictions	1.10%	$100,000	-	Learn More Add Review
Vibe Waterford - County Campus Branch Restrictions	1.10%	$10,000	-	Learn More Add Review
Michigan Schools And Government Main Branch Restrictions	1.10%	$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)
Michigan First Evergreen Branch Restrictions	1.06%	$100,000	-	Learn More Add Review
Frankenmuth Main Office Branch Restrictions	1.05%	$100,000	-	Learn More Add Review
Case Main Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
Cornerstone Community Financial Auburn Hills Branch Restrictions	1.05%	$10,000	-	Learn More Add Review
North Central Area Administration Building Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Wanigas Bagley Main Office Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Isabella Community Isabella Community Credit Union Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
First General First General Cu - Main Office Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
University Of Michigan University Of Michigan Credit Union Branch Restrictions	1.01%	$10,000	-	Learn More Add Review
Consumers Professional Cpcu-lansing Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
4front Us31 Branch Restrictions	1.00%	$1,000	-	Learn More Add Review
Members First Members First Credit Union - Wackerly Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Gerber Corporate Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Frankenmuth Main Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Muskegon Co Op Peck Street Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Port City Port City Federal Credit Union Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Aac Grand Rapids Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
United Financial United Financial/dixie Hwy Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
Family First Saginaw Office Branch Restrictions	1.00%	$10,000	-	Learn More Add Review
West Michigan Grand Rapids Branch Restrictions	0.96%	$10,000	-	Learn More Add Review
Intouch Pontiac Branch Restrictions	0.95%	$1,000	-	Learn More Add Review
Family Financial Family Financial Credit Union Hart Branch Restrictions	0.95%	$100,000	-	Learn More Add Review
Best Financial Best Financial Credit Union Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Community Choice Community Choice Credit Union Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Gr Consumers Grccu - Campbell Branch	0.95%	$10,000	-	Learn More Add Review
Kent County Main Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Astera Astera Credit Union-main Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Kalsee Main Office Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Kellogg Community 2nd Street Branch Restrictions	0.95%	$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)
South Central South Central Credit Union Branch Restrictions	0.95%	$10,000	-	Learn More Add Review
Traverse Catholic Main Office Branch	0.90%	$10,000	-	Learn More Add Review
Forest Area Kalkaska Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Sunrise Family Essexville Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Financialedge Community Euclid Office Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Harborlight Harborlight Cu Branch Restrictions	0.90%	$100,000	-	Learn More Add Review
Parda Parda Federal Credit Union Branch Restrictions	0.90%	$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)
Michigan First Evergreen Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Omni Community Capital Branch Restrictions	0.90%	$10,000	-	Learn More Add Review
Credit Union One Cuo-ferndale Branch Restrictions	0.85%	$100,000	-	Learn More Add Review
Compass Rogue River Community Credit Union Branch	0.85%	$10,000	-	Learn More Add Review
Family Financial Family Financial Credit Union Hart Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
United Bay Community Lincoln Office Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Copoco Community Copoco Community Credit Union Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Harborlight Harborlight Cu Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Service 1 Service 1 Fcu Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Muskegon Corporate Office Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Lake Huron Main Office Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
First Area Hemlock Branch Restrictions	0.85%	$10,000	-	Learn More Add Review
Tlc Community Main Branch Restrictions	0.85%	$10,000	-	Learn More
Deborah y \| Jun 9, 2019 Vacation funds for Read More Reviews (2)
Loc Farmington Branch Restrictions	0.80%	$500	-	Learn More Add Review
Honor Honor Credit Union Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Financialedge Community Euclid Office Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Lake Trust Capitol Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Arbor Financial Main Office Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Blueox Battle Creek Main Branch Restrictions	0.80%	$10,000	-	Learn More Add Review
Marshall Community Marshall Community Credit Union Branch Restrictions	0.80%	$100,000	-	Learn More Add Review
Credit Union One Cuo-ferndale Branch Restrictions	0.75%	$10,000	-	Learn More Add Review
Michigan One Community Main Office Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Marshall Community Marshall Community Credit Union Branch Restrictions	0.70%	$10,000	-	Learn More Add Review
Tba South Airport Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Credit Union One Cuo-ferndale Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Arbor Financial Main Office Branch Restrictions	0.55%	$10,000	-	Learn More Add Review
Public Service Public Service Credit Union Branch Restrictions	0.51%	$100,000	-	Learn More Add Review
Aeroquip Cu*answers Branch Restrictions	0.50%	$1,000	-	Learn More Add Review
People Driven Main Office Branch Restrictions	0.50%	$100,000	-	Learn More Add Review
Public Service Public Service Credit Union Branch Restrictions	0.46%	$10,000	-	Learn More Add Review
People Driven Main Office Branch Restrictions	0.45%	$10,000	-	Learn More Add Review
Advia Port Huron Office Branch Restrictions	0.40%	$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)
Meijer Meijer Credit Union Branch Restrictions	0.30%	$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)
Lake Superior Lake Superior Credit Union Branch	0.25%	$10,000	-	Learn More Add Review
Community Financial Corporate Office Plymouth Branch Restrictions	0.11%	$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 Southfield Southfield Branch	27650 Franklin Rd	Southfield	MI
COVANTAGE Covantage Credit Union Covantage Credit Union Branch	1 Credit Union Way	Crystal Falls	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
MICHIGAN STATE UNIVERSITY Msufcu - East Lansing Branch Msufcu - East Lansing Branch	523 E Grand River Ave	East Lansing	MI
GENISYS 23 Auburn Hills 23 Auburn Hills Branch	2100 Executive Hills Dr	Auburn Hills	MI
GENISYS 23 Auburn Hills 23 Auburn Hills Branch	2100 Executive Hills Dr	Auburn Hills	MI
MICHIGAN STATE UNIVERSITY Msufcu - East Lansing Branch Msufcu - East Lansing Branch	523 E Grand River Ave	East Lansing	MI
LAKE MICHIGAN Lake Michigan Credit Union Lake Michigan Credit Union Branch	4560 Alpine Ave NW	Comstock Park	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
UNIFY FINANCIAL York Township York Township Branch	Toyota Technical Center	Saline	MI
UNITED St. Joseph - Corporate Office St. Joseph - Corporate Office Branch	2807 S State St	Saint Joseph	MI
FARMERS INSURANCE Farmers Insurance Group Federal Credit Union Farmers Insurance Group Federal Credit Union Branch	5600 Beechtree Ln SE	Caledonia	MI
WINGS FINANCIAL Detroit/romulus Detroit/romulus Branch	11200 Metro Airport Center Dr Ste 160	Romulus	MI
FARMERS INSURANCE Farmers Insurance Group Federal Credit Union Farmers Insurance Group Federal Credit Union Branch	5600 Beechtree Ln SE	Caledonia	MI
WINGS FINANCIAL Detroit/romulus Detroit/romulus Branch	11200 Metro Airport Center Dr Ste 160	Romulus	MI
WINGS FINANCIAL Detroit/romulus Detroit/romulus Branch	11200 Metro Airport Center Dr Ste 160	Romulus	MI
KENOWA COMMUNITY Kenowa Community Federal Cu Kenowa Community Federal Cu Branch	1905 28th Street St SW	Wyoming	MI
WINGS FINANCIAL Detroit/romulus Detroit/romulus Branch	11200 Metro Airport Center Dr Ste 160	Romulus	MI
EASTRISE Bricktown Bricktown Branch	500 E Lafayette Blvd	Detroit	MI
WILDFIRE Wildfire Credit Union Wildfire Credit Union Branch	6640 Bay Rd	Saginaw	MI
WEST MICHIGAN Grand Rapids Grand Rapids Branch	1319 Front Ave NW	Grand Rapids	MI
TEAM ONE Saginaw Main Saginaw Main Branch	520 HAYDEN ST	SAGINAW	MI
HEALTH ADVANTAGE State St Office State St Office Branch	4550 STATE ST	SAGINAW	MI
ELGA Burton Burton Branch	2303 S Center Rd	Burton	MI
ZEAL Zeal Credit Union Zeal Credit Union Branch	17250 Newburgh Rd	Livonia	MI
FILER Main Office Main Office Branch	1117 28th St	Manistee	MI
COUNTRY HERITAGE Country Heritage Credit Union Country Heritage Credit Union Branch	16580 Bakertown Rd	Buchanan	MI
SAFE HARBOR Main Office Main Office Branch	1200 E Tinkham Ave	Ludington	MI
WILDFIRE Wildfire Credit Union Wildfire Credit Union Branch	6640 Bay Rd	Saginaw	MI
ADVENTURE Corporate Office Corporate Office Branch	630 32nd St SE	Grand Rapids	MI
ZEAL Zeal Credit Union Zeal Credit Union Branch	17250 Newburgh Rd	Livonia	MI
FILER Main Office Main Office Branch	1117 28th St	Manistee	MI
PREFERRED Grand Rapids Grand Rapids Branch	3767 Sparks Dr SE	Grand Rapids	MI
CIRCLE Niles Branch Niles Branch	507 E Main St	Niles	MI
OUR Normandy Office Normandy Office Branch	3070 Normandy Rd	Royal Oak	MI
CREDIT UNION ADVANTAGE Main Office Main Office Branch	22250 Providence Dr	Southfield	MI
BARAGA COUNTY Baraga County Federal Credit Union Baraga County Federal Credit Union Branch	101 E Broad St	Lanse	MI
PENINSULA Menominee Office Menominee Office Branch	3700 10th St	Menominee	MI
COMMUNITY WEST Kentwood Kentwood Branch	4045 60th ST SE	Kentwood	MI
RIVERTOWN COMMUNITY Rivertown Community Fcu Rivertown Community Fcu Branch	3121 Macatawa Dr SW	Grandville	MI
ELGA Burton Burton Branch	2303 S Center Rd	Burton	MI
DELTA COUNTY Main Main Branch	2600 1st Ave S	Escanaba	MI
ALPENA-ALCONA AREA Alpena Office Alpena Office Branch	1100 S Bagley St	Alpena	MI
BLOOM Wyoming Wyoming Branch	1414 Burton St SW	Wyoming	MI
ST. FRANCIS X St. Francis X Federal Credit Union St. Francis X Federal Credit Union Branch	2140 M 119	Petoskey	MI
SAFE HARBOR Main Office Main Office Branch	1200 E Tinkham Ave	Ludington	MI
SECURITY Main Office Main Office Branch	3801 W Boulevard Dr	Flint	MI
LAFCU Main Main Branch	106 N Marketplace Blvd	Lansing	MI
CHRISTIAN FINANCIAL Center Line Center Line Branch	8171 E 10 Mile Rd	Center Line	MI
INTEGRA FIRST Menominee Branch Menominee Branch	2600 10th St	Menominee	MI
4FRONT Us31 Us31 Branch	3745 N US Highway 31 S	Traverse City	MI
CP Spring Arbor Spring Arbor Branch	2055 Spring Arbor Rd	Jackson	MI
VIBE Waterford - County Campus Branch Waterford - County Campus Branch	1220 County Center Dr W	Waterford	MI
CREDIT UNION ADVANTAGE Main Office Main Office Branch	22250 Providence Dr	Southfield	MI
GREAT LAKES FIRST Escanaba Office Escanaba Office Branch	2110 3rd Ave N	Escanaba	MI
FINANCIAL PLUS 3381 Van Slyke Rd 3381 Van Slyke Rd Branch	G3381 Van Slyke Rd	Flint	MI
OMNI COMMUNITY Capital Capital Branch	3141 Capital Ave SW	Battle Creek	MI
KELLOGG COMMUNITY 2nd Street 2nd Street Branch	41 2nd St	Battle Creek	MI
EMBERS U P Catholic U P Catholic Branch	1001 W Baraga Ave	Marquette	MI
BLOOM Wyoming Wyoming Branch	1414 Burton St SW	Wyoming	MI
UNIVERSITY OF MICHIGAN University Of Michigan Credit Union University Of Michigan Credit Union Branch	340 E Huron St	Ann Arbor	MI
LENCO Lenco Cu Branch Lenco Cu Branch	1455 E US Highway 223	Adrian	MI
CONSUMERS PROFESSIONAL Cpcu-lansing Cpcu-lansing Branch	525 W Willow St	Lansing	MI
ST. FRANCIS X St. Francis X Federal Credit Union St. Francis X Federal Credit Union Branch	2140 M 119	Petoskey	MI
NORTHLAND AREA Tawas Branch Tawas Branch	201 E M 55	Tawas City	MI
RIVER VALLEY River Valley Credit Union River Valley Credit Union Branch	7177 Headley St SE	Ada	MI
UNITED FINANCIAL United Financial/dixie Hwy United Financial/dixie Hwy Branch	5658 DIXIE HWY	SAGINAW	MI
LAFCU Main Main Branch	106 N Marketplace Blvd	Lansing	MI
MICHIGAN EDUCATIONAL Michigan Educational Credit Union Michigan Educational Credit Union Branch	9200 N Haggerty Rd	Plymouth	MI
ALLIANCE CATHOLIC Troy Troy Branch	255 E Maple Rd	Troy	MI
CORNERSTONE COMMUNITY FINANCIAL Auburn Hills Auburn Hills Branch	2955 University Dr	Auburn Hills	MI
VIBE Waterford - County Campus Branch Waterford - County Campus Branch	1220 County Center Dr W	Waterford	MI
MICHIGAN SCHOOLS AND GOVERNMENT Main Main Branch	40400 Garfield Rd	Clinton Township	MI
MICHIGAN FIRST Evergreen Branch Evergreen Branch	27000 Evergreen Rd	Lathrup Village	MI
FRANKENMUTH Main Office Main Office Branch	580 N Main St	Frankenmuth	MI
CASE Main Main Branch	4316 S Pennsylvania Ave	Lansing	MI
CORNERSTONE COMMUNITY FINANCIAL Auburn Hills Auburn Hills Branch	2955 University Dr	Auburn Hills	MI
NORTH CENTRAL AREA Administration Building Administration Building Branch	2665 Reserve Rd	Houghton Lake	MI
WANIGAS Bagley Main Office Bagley Main Office Branch	1837 Bagley St	Saginaw	MI
ISABELLA COMMUNITY Isabella Community Credit Union Isabella Community Credit Union Branch	2400 S Isabella RD	MT Pleasant	MI
FIRST GENERAL First General Cu - Main Office First General Cu - Main Office Branch	589 E Ellis Rd	Norton Shores	MI
UNIVERSITY OF MICHIGAN University Of Michigan Credit Union University Of Michigan Credit Union Branch	340 E Huron St	Ann Arbor	MI
CONSUMERS PROFESSIONAL Cpcu-lansing Cpcu-lansing Branch	525 W Willow St	Lansing	MI
4FRONT Us31 Us31 Branch	3745 N US Highway 31 S	Traverse City	MI
MEMBERS FIRST Members First Credit Union - Wackerly Members First Credit Union - Wackerly Branch	600 W Wackerly St	Midland	MI
GERBER Corporate Office Corporate Office Branch	508 State St	Fremont	MI
FRANKENMUTH Main Office Main Office Branch	580 N Main St	Frankenmuth	MI
ROUTE 31 Peck Street Branch Peck Street Branch	1051 Peck St	Muskegon	MI
PORT CITY Port City Federal Credit Union Port City Federal Credit Union Branch	460 W Laketon Ave	Muskegon	MI
AAC Grand Rapids Branch Grand Rapids Branch	904 Broadway Ave NW	Grand Rapids	MI
UNITED FINANCIAL United Financial/dixie Hwy United Financial/dixie Hwy Branch	5658 DIXIE HWY	SAGINAW	MI
FAMILY FIRST Saginaw Office Saginaw Office Branch	1011 N Michigan Ave	Saginaw	MI
WEST MICHIGAN Grand Rapids Grand Rapids Branch	1319 Front Ave NW	Grand Rapids	MI
INTOUCH Pontiac Pontiac Branch	585 South Blvd E # 1AH21	Pontiac	MI
FAMILY FINANCIAL Family Financial Credit Union Hart Branch Family Financial Credit Union Hart Branch	4075 W Polk Rd	Hart	MI
BEST FINANCIAL Best Financial Credit Union Best Financial Credit Union Branch	1888 E Sherman Blvd	Muskegon	MI
COMMUNITY CHOICE Community Choice Credit Union Community Choice Credit Union Branch	31155 Northwestern Hwy	Farmington Hills	MI
GR CONSUMERS Grccu - Campbell Branch Grccu - Campbell Branch	17010 Croswell St	West Olive	MI
INTANDEM Main Office Main Office Branch	1619 Plainfield AVE NE	Grand Rapids	MI
ASTERA Astera Credit Union-main Astera Credit Union-main Branch	111 S Waverly Rd	Lansing	MI
KALSEE Main Office Main Office Branch	2501 Millcork St	Kalamazoo	MI
KELLOGG COMMUNITY 2nd Street 2nd Street Branch	41 2nd St	Battle Creek	MI
SOUTH CENTRAL South Central Credit Union South Central Credit Union Branch	958 W Monroe St	Jackson	MI
TRAVERSE CATHOLIC Main Office Main Office Branch	3797 Veterans Dr	Traverse City	MI
FOREST AREA Kalkaska Kalkaska Branch	782 S Cedar St	Kalkaska	MI
SUNRISE FAMILY Essexville Branch Essexville Branch	190 N Powell Rd	Essexville	MI
FINANCIALEDGE Euclid Office Euclid Office Branch	1199 S Euclid Ave	Bay City	MI
HARBORLIGHT Harborlight Cu Harborlight Cu Branch	2151 Cogswell Dr	Whitehall	MI
PARDA Parda Federal Credit Union Parda Federal Credit Union Branch	2601 Cambridge Ct Ste 210	Auburn Hills	MI
MICHIGAN FIRST Evergreen Branch Evergreen Branch	27000 Evergreen Rd	Lathrup Village	MI
OMNI COMMUNITY Capital Capital Branch	3141 Capital Ave SW	Battle Creek	MI
CREDIT UNION ONE Cuo-ferndale Cuo-ferndale Branch	400 E 9 Mile Rd	Ferndale	MI
COMPASS Rogue River Community Credit Union Rogue River Community Credit Union Branch	485 S State St	Sparta	MI
FAMILY FINANCIAL Family Financial Credit Union Hart Branch Family Financial Credit Union Hart Branch	4075 W Polk Rd	Hart	MI
UNITED BAY COMMUNITY Lincoln Office Lincoln Office Branch	1309 N Lincoln St	Bay City	MI
COPOCO COMMUNITY Copoco Community Credit Union Copoco Community Credit Union Branch	4265 Wilder Rd	Bay City	MI
HARBORLIGHT Harborlight Cu Harborlight Cu Branch	2151 Cogswell Dr	Whitehall	MI
SERVICE 1 Service 1 Fcu Service 1 Fcu Branch	1075 E Sherman Blvd	Norton Shores	MI
MUSKEGON Corporate Office Corporate Office Branch	65 W LAKETON AVE	MUSKEGON	MI
LAKE HURON Main Office Main Office Branch	1540 Tittabawassee Rd	Saginaw	MI
FIRST AREA Hemlock Hemlock Branch	16630 Gratiot Rd	Hemlock	MI
TLC COMMUNITY Main Main Branch	3030 S Adrian Hwy	Adrian	MI
LOC Farmington Farmington Branch	22981 Farmington Rd	Farmington	MI
HONOR Honor Credit Union Honor Credit Union Branch	8952 US Highway 31	Berrien Springs	MI
FINANCIALEDGE Euclid Office Euclid Office Branch	1199 S Euclid Ave	Bay City	MI
LAKE TRUST Capitol Branch Capitol Branch	501 S Capitol Ave	Lansing	MI
ARBOR FINANCIAL Main Office Main Office Branch	1551 S 9TH ST	KALAMAZOO	MI
IGNITE Battle Creek Main Battle Creek Main Branch	115 Riverside Dr	Battle Creek	MI
MARSHALL COMMUNITY Marshall Community Credit Union Marshall Community Credit Union Branch	839 W Green St	Marshall	MI
CREDIT UNION ONE Cuo-ferndale Cuo-ferndale Branch	400 E 9 Mile Rd	Ferndale	MI
MICHIGAN ONE COMMUNITY Main Office Main Office Branch	510 S Dexter St	Ionia	MI
MARSHALL COMMUNITY Marshall Community Credit Union Marshall Community Credit Union Branch	839 W Green St	Marshall	MI
TBA South Airport South Airport Branch	2900 W South Airport Rd	Traverse City	MI
CREDIT UNION ONE Cuo-ferndale Cuo-ferndale Branch	400 E 9 Mile Rd	Ferndale	MI
ARBOR FINANCIAL Main Office Main Office Branch	1551 S 9TH ST	KALAMAZOO	MI
PUBLIC SERVICE Public Service Credit Union Public Service Credit Union Branch	7665 Merriman Rd	Romulus	MI
AEROQUIP Cuanswers Cuanswers Branch	6000 28th St SE	Grand Rapids	MI
PEOPLE DRIVEN Main Office Main Office Branch	24333 Lahser Rd	Southfield	MI
PUBLIC SERVICE Public Service Credit Union Public Service Credit Union Branch	7665 Merriman Rd	Romulus	MI
PEOPLE DRIVEN Main Office Main Office Branch	24333 Lahser Rd	Southfield	MI
ADVIA Port Huron Office Port Huron Office Branch	500 10th St	Port Huron	MI
MEIJER Meijer Credit Union Meijer Credit Union Branch	2410 Gaynor Ave NW	Grand Rapids	MI
LAKE SUPERIOR Lake Superior Credit Union Lake Superior Credit Union Branch	801 River St	Ontonagon	MI
COMMUNITY FINANCIAL Corporate Office Plymouth Corporate Office Plymouth Branch	500 S HARVEY ST	PLYMOUTH	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)?

SAVINGS & CD CALCULATOR

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CD Products by City in Michigan

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