Construction Federal Credit Union CD Rates

How Construction Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Detroit, MI, where Construction Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Construction Federal Credit Union
4.00%APY
Term
6 months
Requires
None
Minimum
$2,500
Earns on $10,000
$198
Certificate of Deposit
Top rate
FreeStar Financial Credit Union
5.25%APY
Term
18 months
Requires
Another account
Minimum
$500
Earns on $10,000
$798
FreeStar Financial Credit Union rates
2nd-highest rate
Diversified Members Credit Union
5.15%APY
Term
12 months
Requires
None
Minimum
$5,000
Earns on $10,000
$515
Diversified Members Credit Union rates

Compare CD rates near you →

CD score

Higher than 69% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.00%
9–15 months9–15 mo3.95%
16–30 months16–30 mo3.65%
31–60 months31–60 mo3.25%
QualifiedQualified4.00%

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.

How the score works →

Where Construction Federal 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.

Certificate of Deposit

Up to 4.00%APY · 5 termsFrom $2,500 to open

Must maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsMust maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal	4.00%	$198
12 monthsMust maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal	3.95%	$395
18 monthsMust maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal	3.65%	$552
24 monthsMust maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal	3.50%	$712
36 monthsMust maintain a $2,500.00 balance to receive a monthly dividend. Maximum deposits capped at $250,000 per member. Up to 90 day penalty for early withdrawal	3.25%	$1,007

Sources (1)

cfcuonline.com/rates/saving-rates · captured Oct 5, 2026

Special-purpose accounts

IRA Certificate of Deposit

Up to 4.00%APY · 5 termsIRAFrom $2,500 to open

Deposit accounts must maintain a $2,500.00 balance to receive a monthly dividend. Assessed fees could affect annual yield. Up to 90 day penalty for early withdrawal on certificate of deposit accounts. Maximum Deposits to a Regular or IRA Certificate is capped at $250,000 per member.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsDeposit accounts must maintain a $2,500.00 balance to receive a monthly dividend. Assessed fees could affect annual yield. Up to 90 day penalty for early withdrawal on certificate of deposit accounts. Maximum Deposits to a Regular or IRA Certificate is capped at $250,000 per member	4.00%	$198
12 monthsDeposit accounts must maintain a $2,500.00 balance to receive a monthly dividend. Assessed fees could affect annual yield. Up to 90 day penalty for early withdrawal on certificate of deposit accounts. Maximum Deposits to a Regular or IRA Certificate is capped at $250,000 per member	3.95%	$395
18 monthsDeposit accounts must maintain a $2,500.00 balance to receive a monthly dividend. Assessed fees could affect annual yield. Up to 90 day penalty for early withdrawal on certificate of deposit accounts. Maximum Deposits to a Regular or IRA Certificate is capped at $250,000 per member	3.65%	$552
24 monthsDeposit accounts must maintain a $2,500.00 balance to receive a monthly dividend. Assessed fees could affect annual yield. Up to 90 day penalty for early withdrawal on certificate of deposit accounts. Maximum Deposits to a Regular or IRA Certificate is capped at $250,000 per member	3.50%	$712
36 monthsDeposit accounts must maintain a $2,500.00 balance to receive a monthly dividend. Assessed fees could affect annual yield. Up to 90 day penalty for early withdrawal on certificate of deposit accounts. Maximum Deposits to a Regular or IRA Certificate is capped at $250,000 per member	3.25%	$1,007

Sources (1)

cfcuonline.com/rates/saving-rates · captured Oct 5, 2026

Who can join Construction Federal Credit Union

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