Credit union · NCUA insured
Chief Financial Credit Union CD Rates
Top CarrotChief Financial Credit Union’s best CD rate is 4.45% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Chief Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Chief Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chief Financial Credit Union
4.45%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $910
Special Share Certificates
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Chief Financial Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.29%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo0.75%
- QualifiedQualified4.45%
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 Chief 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.
Special Share Certificates
Up to 4.45%APY · 6 terms
Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply. Dividends paid monthly. Only new funds eligible for promotional rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty may apply. Only new funds eligible for promotional rate | 3.50% | $173 |
| 9 monthsEarly withdrawal penalty may apply. Only new funds eligible for promotional rate | 3.50% | $261 |
| 12 monthsEarly withdrawal penalty may apply. Only new funds eligible for promotional rate | 4.29% | $429 |
| 15 monthsEarly withdrawal penalty may apply. Only new funds eligible for promotional rate | 4.29% | $539 |
| 18 monthsEarly withdrawal penalty may apply. Only new funds eligible for promotional rate | 4.29% | $650 |
| 24 monthsEarly withdrawal penalty may apply. Only new funds eligible for promotional rate | 4.45% | $910 |
Sources (2)
All captured Oct 5, 2026
Share Certificates
Up to 0.75%APY · 10 terms
Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty may apply | 0.20% | $5 |
| 6 monthsEarly withdrawal penalty may apply | 0.20% | $10 |
| 12 monthsEarly withdrawal penalty may apply | 0.30% | $30 |
| 18 monthsEarly withdrawal penalty may apply | 0.35% | $53 |
| 24 monthsEarly withdrawal penalty may apply | 0.45% | $90 |
| 30 monthsEarly withdrawal penalty may apply | 0.55% | $138 |
| 36 monthsEarly withdrawal penalty may apply | 0.55% | $166 |
| 39 monthsEarly withdrawal penalty may apply | 0.55% | $180 |
| 48 monthsEarly withdrawal penalty may apply | 0.65% | $263 |
| 60 monthsEarly withdrawal penalty may apply | 0.75% | $381 |
Sources (1)
- chiefonline.com/rates · captured Oct 5, 2026
Special-purpose accounts
IRA Term Share Certificates
Up to 0.75%APY · 10 terms
Available as Traditional or Roth IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.20% | $5 |
| 6 months | 0.20% | $10 |
| 12 months | 0.30% | $30 |
| 18 months | 0.35% | $53 |
| 24 months | 0.30% | $60 |
| 30 months | 0.55% | $138 |
| 36 months | 0.55% | $166 |
| 39 months | 0.55% | $180 |
| 48 months | 0.65% | $263 |
| 60 months | 0.75% | $381 |
Sources (1)
- chiefonline.com/rates · captured Oct 5, 2026
Who can join Chief Financial Credit Union
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