Credit union · NCUA insured
Best Financial Credit Union CD Rates
Best Financial Credit Union’s best CD rate is 5.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Best Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Best Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Best Financial Credit Union
3.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,168
Certificates of Deposit (CDs)
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
Best Financial Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 Best 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.
Certificates of Deposit (CDs)
Up to 8.00%APY · 7 terms
No setup or service fees. Early withdrawal subject to penalty.
| Term | APY · Any balance | APY · Up to $2,500 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown–185 monthsThe BEST Future Program Kids CD - Up to 185 Months. Early withdrawal penalty: 90 - 180 days interest | 8.00% | — | 8.00% | $0 |
| 6 monthsEarly withdrawal penalty: 90 days interest | 3.00% | — | 3.00% | $149 |
| 12 months12 Month Super Kids CD. Early withdrawal penalty: 90 days interest | — | 5.00% | —5.00% to $2.5k | — |
| 12 monthsEarly withdrawal penalty: 90 days interest | 3.50% | — | 3.50% | $350 |
| 24 monthsEarly withdrawal penalty: 180 days interest | 3.50% | — | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty: 180 days interest | 3.75% | — | 3.75% | $1,168 |
| 48 monthsEarly withdrawal penalty: 180 days interest | 3.50% | — | 3.50% | $1,475 |
| 60 monthsEarly withdrawal penalty: 180 days interest | 3.50% | — | 3.50% | $1,877 |
Sources (1)
- bestfinancialcu.org/bank/perso…ates-of-deposit-cds.html · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.75%APY · 6 terms
No setup fees. No monthly or annual service fees. $500 minimum deposit to open share certificate. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 days interest | 3.00% | $149 |
| 12 monthsEarly withdrawal penalty: 90 days interest | 3.50% | $350 |
| 24 monthsEarly withdrawal penalty: 180 days interest | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty: 180 days interest | 3.75% | $1,168 |
| 48 monthsEarly withdrawal penalty: 180 days interest | 3.50% | $1,475 |
| 60 monthsEarly withdrawal penalty: 180 days interest | 3.50% | $1,877 |
Sources (2)
- bestfinancialcu.org/bank/perso…ates-of-deposit-cds.html
- bestfinancialcu.org/bank/perso…ement-accounts-iras.html
All captured Oct 5, 2026
Who can join Best 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
- Membership is open to persons who live, work, worship, or attend school in Muskegon, Ottawa, Oceana, Newaygo, and Kent counties of Michigan.
Cost to join
- Opening a savings account requires $5.
Membership information collected October 5, 2026.