Certificate Accounts | Michigan Credit Union CD Rates

Choose a certificate that fits your finances.

Our certificates provide options when you want to increase your savings. Choose your terms and how much money you wish to deposit.

UMCU offers certificates ranging from 6 months to 5 years
Low $500 minimum deposit
Balances over $10,000 pay higher rates
Interest paid and compounded monthly
Paid interest may be withdrawn at any time without penalty
If you withdraw the principal funds prior to the maturity date, 90 days' interest will be deducted from the balance of the account

Effective Date: February 1, 2023

Term	Interest Rate	Annual Percentage Yield
Certificate $500 minimum deposit
6 Month	2.60%	2.63%
12 Month	3.50%	3.56%
24 Month	2.66%	2.69%
36 Month	2.70%	2.73%
48 Month	2.70%	2.73%
60 Month	2.70%	2.73%
Certificate $10,000 minimum deposit
6 Month	2.70%	2.73%
12 Month	3.60%	3.66%
24 Month	2.76%	2.79%
36 Month	2.80%	2.83%
48 Month	2.80%	2.83%
60 Month	2.80%	2.83%
Certificate $100,000 minimum deposit
6 Month	2.80%	2.84%
12 Month	3.75%	3.82%
24 Month	2.86%	2.90%
36 Month	2.90%	2.94%
48 Month	2.90%	2.94%
60 Month	2.90%	2.94%
IRA $500 minimum deposit
6 Month	2.51%	2.54%
12 month	3.58%	3.64%
24 Month	2.66%	2.69%
36 Month	2.70%	2.73%
48 Month	2.70%	2.73%
60 Month	2.70%	2.73%
IRA $10,000 minimum deposit
6 Month	2.61%	2.64%
12 Month	3.68%	3.74%
24 Month	2.76%	2.79%
36 Month	2.80%	2.83%
48 Month	2.80%	2.83%
60 Month	2.80%	2.83%
IRA $100,000 minimum deposit
6 Month	2.71%	2.74%
12 Month	3.78%	3.85%
24 Month	2.86%	2.90%
36 Month	2.90%	2.94%
48 Month	2.90%	2.94%
60 Month	2.90%	2.94%