Credit union · NCUA insured
Consumers Credit Union CD Rates
Consumers Credit Union’s best CD rate is 1.10% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Consumers Credit Union’s CD rates compare
Compared with banks and credit unions near Kalamazoo, MI, where Consumers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Consumers Credit Union
1.01%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $515
Certificate of Deposit (CD)
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
Consumers Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.45%
- 31–60 months31–60 mo1.01%
- QualifiedQualified1.01%
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 Consumers 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 (CD)
Up to 1.01%APY · 5 terms
$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Backed by NCUA Insurance.
| Term | APY · $1,000 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee | 0.10% | 0.15% | 0.10%0.15% from $25k | $5 |
| 12 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee | 0.30% | 0.35% | 0.30%0.35% from $25k | $30 |
| 24 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee | 0.45% | 0.50% | 0.45%0.50% from $25k | $90 |
| 36 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee | 0.69% | 0.74% | 0.69%0.74% from $25k | $208 |
| 60 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee | 1.01% | 1.10% | 1.01%1.10% from $25k | $515 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
CD IRA
Up to 1.01%APY · 5 terms
Available as traditional, Roth, and educational IRA CD options. No setup, maintenance, or administrative fees. $1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Federally insured by NCUA.
| Term | APY · $1,000 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. No setup, maintenance or administrative fees | 0.10% | 0.15% | 0.10%0.15% from $25k | $5 |
| 12 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. No setup, maintenance or administrative fees | 0.30% | 0.35% | 0.30%0.35% from $25k | $30 |
| 24 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. No setup, maintenance or administrative fees | 0.45% | 0.50% | 0.45%0.50% from $25k | $90 |
| 36 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. No setup, maintenance or administrative fees | 0.69% | 0.74% | 0.69%0.74% from $25k | $208 |
| 60 months$1,000 minimum deposit required. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. No setup, maintenance or administrative fees | 1.01% | 1.10% | 1.01%1.10% from $25k | $515 |
Sources (2)
All captured Oct 5, 2026
Who can join Consumers 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 anyone living, working, or worshiping in Allen, DeKalb, Elkhart, Laporte, Porter, St. Joseph, and Steuben counties in Indiana.
- Membership is open to anyone who lives, works, or worships in Michigan.
Employers and groups
- Membership is open to individuals who donate $5 to Special Olympics Michigan (SOMI) and sign up for their email newsletter.
Cost to join
- A $25 share deposit is reserved in savings to establish membership ownership.
Membership information collected October 5, 2026.