Credit union · NCUA insured
Auto-Owners Associates Credit Union CD Rates
Auto-Owners Associates Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Auto-Owners Associates Credit Union’s CD rates compare
Compared with banks and credit unions near Lansing, MI, where Auto-Owners Associates Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Auto-Owners Associates Credit Union
3.50%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $173
Term Share (CD)
Top rate
DFCU Financial
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Adventure Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,373
Auto-Owners Associates Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- 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 Auto-Owners Associates 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.
Term Share (CD)
Up to 3.50%APY · 6 terms
Minimum deposit amount of $500. Compound monthly interest, if added back to principle. One time rate increase on 36 month – 60 month term shares. Early term withdrawal with penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.50% | $350 |
| 24 months | 3.25% | $661 |
| 36 monthsOne time rate increase on 36 month – 60 month term shares | 3.25% | $1,007 |
| 48 monthsOne time rate increase on 36 month – 60 month term shares | 3.25% | $1,365 |
| 60 monthsOne time rate increase on 36 month – 60 month term shares | 3.25% | $1,734 |
Who can join Auto-Owners Associates Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Auto-Owners Insurance are eligible for membership.
Membership information collected October 5, 2026.