Credit union · NCUA insured
AAC Credit Union CD Rates
Top CarrotAAC Credit Union’s best CD rate is 4.15% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How AAC Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where AAC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
AAC Credit Union
4.15%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $310
9 Month CD Special
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
AAC Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where AAC Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
9 Month CD Special
4.15%APY · 1 term
Account fees may reduce earnings on certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.15% | $310 |
Sources (3)
All captured Oct 16, 2026
13 Month CD Special
4.05%APY · 1 term
Account fees may reduce earnings on certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 4.05% | $439 |
Sources (3)
All captured Sep 18, 2026
Certificate of Deposit
Up to 3.80%APY · 8 terms
Account fees may reduce earnings on certificates. Traditional CD may be opened for as little as $500 with 6 to 24 month options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 9 months | 3.75% | $280 |
| 12 months | 3.70% | $370 |
| 18 months | 3.60% | $545 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (3)
- goaac.com/must-haves/member-perks/rates
- goaac.com/shop/savings/rates
- goaac.com/shop/savings/cdmoney-market
All captured Oct 16, 2026
Let it Grow CD
3.50%APY
Account fees may reduce earnings on certificates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 3.50% | $350 |
Sources (3)
- goaac.com/must-haves/member-perks/rates
- goaac.com/shop/savings/rates
- goaac.com/shop/savings/cdmoney-market
All captured Oct 16, 2026
Special-purpose accounts
Youth CD Special
4.00%APY
Account fees may reduce earnings on certificates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 4.00% | $400 |
Sources (2)
All captured Oct 16, 2026
IRA Certificate of Deposit
Up to 3.80%APY · 8 terms
Rates also apply to IRA and HSA Certificates of Deposit. Account fees may reduce earnings on certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 9 months | 3.75% | $280 |
| 12 months | 3.70% | $370 |
| 18 months | 3.60% | $545 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 16, 2026
Who can join AAC Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or studies in Kent, Muskegon, Ottawa, Barry, or Allegan counties.
Cost to join
- Opening a savings account with a $5 deposit is required to begin membership.
Membership information collected October 5, 2026.