Credit union · NCUA insured
Adventure Credit Union CD Rates
Adventure Credit Union’s best CD rate is 4.35% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Adventure Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Adventure Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Adventure Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,373
Certificate of Deposit
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
Adventure Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
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 Adventure 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.
Certificate of Deposit
Up to 4.35%APY · 7 terms
Available to anyone who lives, works, worships, or attends school in the State of Michigan; credit union membership requires a $5 share deposit. Early withdrawal penalty on 6-month certificate is 90 days loss of interest; on 12-month term or longer is 180 days loss of interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 90 days loss of interest | 3.60% | $178 |
| 12 monthsEarly withdrawal penalty is 180 days loss of interest | 3.65% | $365 |
| 18 monthsEarly withdrawal penalty is 180 days loss of interest | 3.70% | $560 |
| 24 monthsEarly withdrawal penalty is 180 days loss of interest | 3.80% | $774 |
| 36 monthsEarly withdrawal penalty is 180 days loss of interest | 3.90% | $1,216 |
| 48 monthsEarly withdrawal penalty is 180 days loss of interest | 4.10% | $1,744 |
| 60 monthsEarly withdrawal penalty is 180 days loss of interest | 4.35% | $2,373 |
Save to Win CD
4.00%APY · 1 term
Prize-linked 12-month certificate account. Allows deposits after opening. Early withdrawal penalty is $25. Must follow Save to Win program rules. Membership requires a $5 share deposit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPrize-linked savings CD; early withdrawal penalty is $25. Allows deposits after opening | 4.00% | $400 |
Sources (2)
All captured Oct 16, 2026
Who can join Adventure Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.