Credit union · NCUA insured
Community Choice Credit Union CD Rates
Community Choice Credit Union’s best CD rate is 4.30% APY on a 25-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community Choice Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Community Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $917
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
Community Choice Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.26%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo0.50%
- QualifiedQualified4.30%
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 Community Choice 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 4.30%APY · 10 terms
Rates subject to change at any time. Penalty for early withdrawal applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months3 month term subject to a 30 day dividend penalty | 0.10% | $2 |
| 6 months6 month term subject to a 60 day dividend penalty | 0.15% | $7 |
| 7 monthsSpecial rate subject to change at any time without notice. Not available for Public Units and Municipalities. 7 month term subject to a 60 day dividend penalty | 4.15% | $240 |
| 12 months1 year term subject to a 90 day dividend penalty | 0.25% | $25 |
| 15 monthsSpecial rate subject to change at any time without notice. Not available for Public Units and Municipalities | 4.26% | $535 |
| 24 months18 months or greater terms subject to a 180 day dividend penalty | 0.30% | $60 |
| 25 monthsSpecial rate subject to change at any time without notice. Not available for Public Units and Municipalities | 4.30% | $917 |
| 36 months18 months or greater terms subject to a 180 day dividend penalty | 0.35% | $105 |
| 48 months18 months or greater terms subject to a 180 day dividend penalty | 0.40% | $161 |
| 60 months18 months or greater terms subject to a 180 day dividend penalty | 0.50% | $253 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 5 terms
Rates subject to change at any time. Penalty for early withdrawal applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 month term subject to a 60 day dividend penalty | 0.15% | $7 |
| 7 monthsSpecial rate subject to change at any time without notice | 4.15% | $240 |
| 12 months1 year term subject to a 90 day dividend penalty | 0.25% | $25 |
| 15 monthsSpecial rate subject to change at any time without notice | 4.26% | $535 |
| 25 monthsSpecial rate subject to change at any time without notice | 4.30% | $917 |
Sources (2)
All captured Oct 5, 2026
Who can join Community Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.