Credit union · NCUA insured
Alpena Credit Union CD Rates
Alpena Credit Union’s best CD rate is 2.78% APY on a 5-year share certificate (CD). Terms run from 2 years to 5 years. Rates checked October 16, 2026.
How Alpena Credit Union’s CD rates compare
Compared with banks and credit unions near Alpena, MI, where Alpena Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alpena Credit Union
2.78%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,469
Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Wolverine State Credit Union
4.45%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $332
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 2.78%APY · 4 terms
Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.02% | $408 |
| 36 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.27% | $697 |
| 48 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.52% | $1,047 |
| 60 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.78% | $1,469 |
Sources (1)
- alpenacreditunion.com/rates/certificate-rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 2.78%APY · 4 terms
Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.02% | $408 |
| 36 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.27% | $697 |
| 48 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.52% | $1,047 |
| 60 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 2.78% | $1,469 |
Sources (1)
- alpenacreditunion.com/rates/certificate-rates · captured Oct 16, 2026
LITTLE BIG GROW BIG
0.50%APY · 1 term
Any fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAny fees incurred may reduce earnings on the account. An early withdrawal penalty will be imposed for withdrawals before maturity. Rate is fixed for the term of the certificate | 0.50% | — |
Sources (1)
- alpenacreditunion.com/rates/certificate-rates · captured Oct 16, 2026
Who can join Alpena Credit Union
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