Credit union · NCUA insured
Arbor Financial Credit Union CD Rates
Top CarrotArbor Financial Credit Union’s best CD rate is 4.07% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Arbor Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Kalamazoo, MI, where Arbor Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Arbor Financial Credit Union
4.07%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $235
Certificate of Deposit (CD)
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
Arbor Financial Credit Union CD score
88
CD score
Higher than 82% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.07%
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 Arbor Financial 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 (CD)
Up to 4.07%APY · 7 terms
Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100). Rate remains the same throughout the term. Automatically renews unless different option selected.
| Term | APY · $500 – $30,000 | APY · $30,000 – $70,000 | APY · $70,000 – $125,000 | APY · $125,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsExplorer's Club members have a minimum of $100 | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $30k–$70k3.45% $70k–$125k3.45% from $125k | $171 |
| 7 monthsExplorer's Club members have a minimum of $100 | 4.07% | 4.07% | 4.07% | 4.07% | 4.07%4.07% $30k–$70k4.07% $70k–$125k4.07% from $125k | $235 |
| 12 monthsExplorer's Club members have a minimum of $100 | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $30k–$70k3.45% $70k–$125k3.45% from $125k | $345 |
| 24 monthsExplorer's Club members have a minimum of $100 | 3.55% | 3.55% | 3.55% | 3.55% | 3.55%3.55% $30k–$70k3.55% $70k–$125k3.55% from $125k | $723 |
| 36 monthsExplorer's Club members have a minimum of $100 | 3.65% | 3.65% | 3.65% | 3.65% | 3.65%3.65% $30k–$70k3.65% $70k–$125k3.65% from $125k | $1,135 |
| 48 monthsExplorer's Club members have a minimum of $100 | 3.80% | 3.80% | 3.80% | 3.80% | 3.80%3.80% $30k–$70k3.80% $70k–$125k3.80% from $125k | $1,609 |
| 60 monthsExplorer's Club members have a minimum of $100 | 4.05% | 4.05% | 4.05% | 4.05% | 4.05%4.05% $30k–$70k4.05% $70k–$125k4.05% from $125k | $2,196 |
Add-On CD
3.45%APY · 2 terms
Membership required. Insured by NCUA. Flexibility to add deposits throughout the term in amounts of $25 or more anytime up to maximum amount of $250,000 per CD. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 required (Explorer's Club members have a minimum of $100).
| Term | APY · $500 – $30,000 | APY · $30,000 – $70,000 | APY · $70,000 – $125,000 | APY · $125,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsAdd-on in amounts of $25 or more anytime. Maximum amount per CD is $250,000 | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $30k–$70k3.45% $70k–$125k3.45% $125k–$250k | $171 |
| 12 monthsAdd-on in amounts of $25 or more anytime. Maximum amount per CD is $250,000 | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $30k–$70k3.45% $70k–$125k3.45% $125k–$250k | $345 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Traditional, Roth, & IRA Certificate
Up to 4.07%APY · 7 terms
Membership required. Insured by NCUA. APYs calculated by actual daily balance method and paid/compounded monthly. Early withdrawal penalties apply and reduce earnings. Minimum balance of $500 is required.
| Term | APY · $500 – $30,000 | APY · $30,000 – $70,000 | APY · $70,000 – $125,000 | APY · $125,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $30k–$70k3.45% $70k–$125k3.45% from $125k | $171 |
| 7 months | 4.07% | 4.07% | 4.07% | 4.07% | 4.07%4.07% $30k–$70k4.07% $70k–$125k4.07% from $125k | $235 |
| 12 months | 3.45% | 3.45% | 3.45% | 3.45% | 3.45%3.45% $30k–$70k3.45% $70k–$125k3.45% from $125k | $345 |
| 24 months | 3.55% | 3.55% | 3.55% | 3.55% | 3.55%3.55% $30k–$70k3.55% $70k–$125k3.55% from $125k | $723 |
| 36 months | 3.65% | 3.65% | 3.65% | 3.65% | 3.65%3.65% $30k–$70k3.65% $70k–$125k3.65% from $125k | $1,135 |
| 48 months | 3.80% | 3.80% | 3.80% | 3.80% | 3.80%3.80% $30k–$70k3.80% $70k–$125k3.80% from $125k | $1,609 |
| 60 months | 4.05% | 4.05% | 4.05% | 4.05% | 4.05%4.05% $30k–$70k4.05% $70k–$125k4.05% from $125k | $2,196 |
Sources (3)
- arborfcu.org/personal-banking/savings-accounts
- arborfcu.org/personal-banking/…gs-accounts/cds-and-iras
- arborfcu.org/bank-rates
All captured Oct 5, 2026
Who can join Arbor Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in the state of Michigan is eligible to join Arbor Financial Credit Union.
Cost to join
- A minimum deposit of $5 is required to open membership when joining.
Membership information collected October 5, 2026.