Credit union · NCUA insured
Christian Financial Credit Union CD Rates
Top CarrotChristian Financial Credit Union’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Christian Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Christian Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Christian Financial Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $450
Certificates of Deposit
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
Christian Financial Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.50%
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 Christian 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
Up to 4.50%APY · 7 terms
Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are compounded and credited quarterly. Early withdrawal penalty up to 90 days of interest | 2.00% | $100 |
| 12 months12-Month Certificate; Minimum Balance $500 | 4.50% | $450 |
| 18 months18-Month Certificate; Minimum Balance $500 | 4.50% | $683 |
| 24 months24-Month Certificate; Minimum Balance $500 | 4.50% | $920 |
| 36 months36-Month Certificate; Minimum Balance $500 | 3.75% | $1,168 |
| 48 months48-Month Certificate; Minimum Balance $500 | 3.50% | $1,475 |
| 60 months60-Month Certificate; Minimum Balance $500 | 3.75% | $2,021 |
Super Saver Certificate
3.50%APY · 1 term
Additional Super Saver deposits of at least $50 permitted, not to exceed $100,000 in aggregate per Certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security number. Dividends are compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdditional deposits of at least $50 along the way, not to exceed $100,000 in aggregate per Certificate. Maximum two certificates per SSN. Dividends compounded and credited monthly | 3.50% | $350 |
Sources (2)
All captured Oct 16, 2026
Save To Win Certificate
1.50%APY · 1 term
Additional deposits can be made throughout the term of the certificate. Maximum number of Save To Win Certificates is limited to ONE per Social Security number. Early withdrawal penalty is $25. Dividends are compounded and credited monthly. Gives chances to win cash prizes monthly and quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOnly $25 to open and additional deposits can be made as often as you like. Dividends compounded and credited monthly | 1.50% | $150 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 6 terms
IRA Certificate accounts. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.50% | $450 |
| 18 months | 4.50% | $683 |
| 24 months | 4.50% | $920 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.50% | $1,475 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- christianfinancialcu.com/rates · captured Oct 16, 2026
Youth Certificate
4.50%APY · 1 term
Dividends are compounded and credited monthly. Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded and credited monthly | 4.50% | $450 |
Sources (2)
All captured Oct 16, 2026
Who can join Christian Financial Credit Union
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