Credit union · NCUA insured
American 1 Credit Union CD Rates
American 1 Credit Union’s best CD rate is 3.50% APY on an 18-month share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How American 1 Credit Union’s CD rates compare
Compared with banks and credit unions near Jackson, MI, where American 1 Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American 1 Credit Union
3.50%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $530
Share Certificates
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
TLC Community Credit Union
4.47%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $2,444
American 1 Credit Union CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.50%
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 American 1 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.
Share Certificates
Up to 3.50%APY · 10 terms
Non-compounding; payout of dividends is mandatory (monthly, quarterly, semi-annually, or annually). Calculated by daily balance method. Penalty for early withdrawal may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthEarly withdrawal penalty may apply. Non-compounding | 0.35% | $3 |
| 2 monthsEarly withdrawal penalty may apply. Non-compounding | 0.35% | $6 |
| 3 monthsEarly withdrawal penalty may apply. Non-compounding | 0.35% | $9 |
| 6 monthsEarly withdrawal penalty may apply. Non-compounding | 2.50% | $124 |
| 12 monthsEarly withdrawal penalty may apply. Non-compounding | 3.35% | $335 |
| 18 monthsEarly withdrawal penalty may apply. Non-compounding | 3.50% | $530 |
| 24 monthsEarly withdrawal penalty may apply. Non-compounding | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty may apply. Non-compounding | 3.45% | $1,071 |
| 48 monthsEarly withdrawal penalty may apply. Non-compounding | 3.40% | $1,431 |
| 60 monthsEarly withdrawal penalty may apply. Non-compounding | 3.35% | $1,791 |
Sources (1)
- american1cu.org/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 3.51%APY · 9 terms
Calculated by daily balance method. Dividends may be paid quarterly, semi-annually, and annually. Early withdrawal penalties apply. Fees may reduce earnings. American 1 reserves the right to discontinue promotion without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthEarly withdrawal penalty may apply | 0.35% | $3 |
| 2 monthsEarly withdrawal penalty may apply | 0.35% | $6 |
| 3 monthsEarly withdrawal penalty may apply | 0.35% | $9 |
| 6 monthsEarly withdrawal penalty may apply | 2.50% | $124 |
| 12 monthsEarly withdrawal penalty may apply | 3.45% | $345 |
| 24 monthsEarly withdrawal penalty may apply | 3.51% | $714 |
| 36 monthsEarly withdrawal penalty may apply | 3.45% | $1,071 |
| 48 monthsEarly withdrawal penalty may apply | 3.40% | $1,431 |
| 60 monthsEarly withdrawal penalty may apply | 3.35% | $1,791 |
Sources (1)
- american1cu.org/rates · captured Oct 16, 2026
Roth IRAs/Coverdell ESA's
Up to 3.51%APY · 5 terms
Calculated by daily balance method. Dividends may be paid quarterly, semi-annually, and annually. Early withdrawal penalties apply. Fees may reduce earnings. American 1 reserves the right to discontinue promotion without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty may apply | 3.45% | $345 |
| 24 monthsEarly withdrawal penalty may apply | 3.51% | $714 |
| 36 monthsEarly withdrawal penalty may apply | 3.45% | $1,071 |
| 48 monthsEarly withdrawal penalty may apply | 3.40% | $1,431 |
| 60 monthsEarly withdrawal penalty may apply | 3.35% | $1,791 |
Sources (1)
- american1cu.org/savings-rates · captured Oct 16, 2026
Who can join American 1 Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.