Credit Union ONE CD Rates

How Credit Union ONE’s CD rates compare

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

This credit union’s best
Credit Union ONE
4.33%APY
Term
7 months
Requires
None
Minimum
$1,000
Earns on $10,000
$250
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 46% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.33%
9–15 months9–15 mo3.04%
16–30 months16–30 mo2.71%
31–60 months31–60 mo1.97%
QualifiedQualified4.33%

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 Credit Union ONE 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 4.33%APY · 9 termsPromotionalFrom $500 to open

Fixed-rate CDs with terms from 3 months to 5 years; eight standard terms plus a 7-month promotional CD. Minimum to open standard CDs is $500. APY assumes interest remains until maturity. Upon maturity, tier rates default to the current standard rate in the rate schedule.

Earnings on $10,000 over the term.
Term	APY · $500 – $2,499	APY · $1,000 – $250,000	APY · $2,500 – $9,999	APY · $10,000 – $24,999	APY · $25,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 and up	APY	Earns on $10,000Earns
3 monthsStandard CD tier $10,000-$24,999; 3-month schedule shared with $500-$2,499 table	—	—	—	3.04%	—	—	—	3.04%	$75
3 monthsStandard CD tier $100,000+; 3-month schedule shared with $500-$2,499 table	—	—	—	—	—	—	3.04%	—3.04% from $100k	—
3 monthsStandard CD tier $2,500-$9,999; 3-month schedule shared with $500-$2,499 table	—	—	3.04%	—	—	—	—	—3.04% $2.5k–$10k	—
3 monthsStandard CD tier $25,000-$49,999; 3-month schedule shared with $500-$2,499 table	—	—	—	—	3.04%	—	—	—3.04% $25k–$50k	—
3 monthsStandard CD tier $50,000-$99,999; 3-month schedule shared with $500-$2,499 table	—	—	—	—	—	3.04%	—	—3.04% $50k–$100k	—
3 monthsStandard CD tier $500-$2,499	3.04%	—	—	—	—	—	—	—3.04% $500–$2.5k	—
6 monthsStandard CD tier $10,000-$24,999; 6-month schedule shared with $500-$2,499 table	—	—	—	3.30%	—	—	—	3.30%	$164
6 monthsStandard CD tier $100,000+; 6-month schedule shared with $500-$2,499 table	—	—	—	—	—	—	3.30%	—3.30% from $100k	—
6 monthsStandard CD tier $2,500-$9,999; 6-month schedule shared with $500-$2,499 table	—	—	3.30%	—	—	—	—	—3.30% $2.5k–$10k	—
6 monthsStandard CD tier $25,000-$49,999; 6-month schedule shared with $500-$2,499 table	—	—	—	—	3.30%	—	—	—3.30% $25k–$50k	—
6 monthsStandard CD tier $50,000-$99,999; 6-month schedule shared with $500-$2,499 table	—	—	—	—	—	3.30%	—	—3.30% $50k–$100k	—
6 monthsStandard CD tier $500-$2,499	3.30%	—	—	—	—	—	—	—3.30% $500–$2.5k	—
7 monthsPromotional 7-month CD; new money only (funds not currently on deposit at Credit Union ONE; transfers from existing accounts do not qualify). Minimum $1,000 opening deposit. After maturity and a seven-day grace period, rolls into a 6-month CD at the then-current 6-month standard rate. Promotional terms and rates subject to change	—	4.33%	—	—	—	—	—	4.33%	$250
12 monthsStandard CD tier $10,000-$24,999; 12-month schedule shared with $500-$2,499 table	—	—	—	3.04%	—	—	—	3.04%	$304
12 monthsStandard CD tier $100,000+; 12-month schedule shared with $500-$2,499 table	—	—	—	—	—	—	3.04%	—3.04% from $100k	—
12 monthsStandard CD tier $2,500-$9,999; 12-month schedule shared with $500-$2,499 table	—	—	3.04%	—	—	—	—	—3.04% $2.5k–$10k	—
12 monthsStandard CD tier $25,000-$49,999; 12-month schedule shared with $500-$2,499 table	—	—	—	—	3.04%	—	—	—3.04% $25k–$50k	—
12 monthsStandard CD tier $50,000-$99,999; 12-month schedule shared with $500-$2,499 table	—	—	—	—	—	3.04%	—	—3.04% $50k–$100k	—
12 monthsStandard CD tier $500-$2,499	3.04%	—	—	—	—	—	—	—3.04% $500–$2.5k	—
18 monthsStandard CD tier $10,000-$24,999	—	—	—	2.71%	—	—	—	2.71%	$409
18 monthsStandard CD tier $100,000+	—	—	—	—	—	—	3.30%	—3.30% from $100k	—
18 monthsStandard CD tier $2,500-$9,999; 18-month schedule shared with $500-$2,499 table	—	—	2.53%	—	—	—	—	—2.53% $2.5k–$10k	—
18 monthsStandard CD tier $25,000-$49,999	—	—	—	—	3.04%	—	—	—3.04% $25k–$50k	—
18 monthsStandard CD tier $50,000-$99,999	—	—	—	—	—	3.15%	—	—3.15% $50k–$100k	—
18 monthsStandard CD tier $500-$2,499	2.53%	—	—	—	—	—	—	—2.53% $500–$2.5k	—
24 monthsStandard CD tier $10,000-$24,999	—	—	—	1.87%	—	—	—	1.87%	$377
24 monthsStandard CD tier $100,000+	—	—	—	—	—	—	2.53%	—2.53% from $100k	—
24 monthsStandard CD tier $2,500-$9,999; 24-month schedule shared with $500-$2,499 table	—	—	1.76%	—	—	—	—	—1.76% $2.5k–$10k	—
24 monthsStandard CD tier $25,000-$49,999	—	—	—	—	2.17%	—	—	—2.17% $25k–$50k	—
24 monthsStandard CD tier $50,000-$99,999	—	—	—	—	—	2.27%	—	—2.27% $50k–$100k	—
24 monthsStandard CD tier $500-$2,499	1.76%	—	—	—	—	—	—	—1.76% $500–$2.5k	—
36 monthsStandard CD tier $10,000-$24,999	—	—	—	1.87%	—	—	—	1.87%	$572
36 monthsStandard CD tier $100,000+	—	—	—	—	—	—	2.53%	—2.53% from $100k	—
36 monthsStandard CD tier $2,500-$9,999; 36-month schedule shared with $500-$2,499 table	—	—	1.76%	—	—	—	—	—1.76% $2.5k–$10k	—
36 monthsStandard CD tier $25,000-$49,999	—	—	—	—	2.17%	—	—	—2.17% $25k–$50k	—
36 monthsStandard CD tier $50,000-$99,999	—	—	—	—	—	2.27%	—	—2.27% $50k–$100k	—
36 monthsStandard CD tier $500-$2,499	1.76%	—	—	—	—	—	—	—1.76% $500–$2.5k	—
48 monthsStandard CD tier $10,000-$24,999	—	—	—	1.97%	—	—	—	1.97%	$812
48 monthsStandard CD tier $100,000+	—	—	—	—	—	—	2.78%	—2.78% from $100k	—
48 monthsStandard CD tier $2,500-$9,999; 48-month schedule shared with $500-$2,499 table	—	—	1.87%	—	—	—	—	—1.87% $2.5k–$10k	—
48 monthsStandard CD tier $25,000-$49,999	—	—	—	—	2.11%	—	—	—2.11% $25k–$50k	—
48 monthsStandard CD tier $50,000-$99,999	—	—	—	—	—	2.53%	—	—2.53% $50k–$100k	—
48 monthsStandard CD tier $500-$2,499	1.87%	—	—	—	—	—	—	—1.87% $500–$2.5k	—
60 monthsStandard CD tier $10,000-$24,999	—	—	—	1.97%	—	—	—	1.97%	$1,025
60 monthsStandard CD tier $100,000+	—	—	—	—	—	—	2.78%	—2.78% from $100k	—
60 monthsStandard CD tier $2,500-$9,999; 60-month schedule shared with $500-$2,499 table	—	—	1.87%	—	—	—	—	—1.87% $2.5k–$10k	—
60 monthsStandard CD tier $25,000-$49,999	—	—	—	—	2.11%	—	—	—2.11% $25k–$50k	—
60 monthsStandard CD tier $50,000-$99,999	—	—	—	—	—	2.53%	—	—2.53% $50k–$100k	—
60 monthsStandard CD tier $500-$2,499	1.87%	—	—	—	—	—	—	—1.87% $500–$2.5k	—

Sources (2)

All captured Oct 16, 2026

Special-purpose accounts

IRA Certificate of Deposit

Up to 3.30%APY · 8 termsIRAFrom $500 to open

IRA CDs offered as Traditional, Roth, Rollover, and Spousal IRA wrappers on the same certificate rate schedule. Available as an IRA Certificate of Deposit. APY assumes interest remains until maturity.

Earnings on $10,000 over the term.
Term	APY · $500 – $2,499	APY · $2,500 – $9,999	APY · $10,000 – $24,999	APY · $25,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 and up	APY	Earns on $10,000Earns
3 monthsIRA CD tier $10,000-$24,999; 3-month schedule shared with $500-$2,499 table	—	—	3.04%	—	—	—	3.04%	$75
3 monthsIRA CD tier $100,000+; 3-month schedule shared with $500-$2,499 table	—	—	—	—	—	3.04%	—3.04% from $100k	—
3 monthsIRA CD tier $2,500-$9,999; 3-month schedule shared with $500-$2,499 table	—	3.04%	—	—	—	—	—3.04% $2.5k–$10k	—
3 monthsIRA CD tier $25,000-$49,999; 3-month schedule shared with $500-$2,499 table	—	—	—	3.04%	—	—	—3.04% $25k–$50k	—
3 monthsIRA CD tier $50,000-$99,999; 3-month schedule shared with $500-$2,499 table	—	—	—	—	3.04%	—	—3.04% $50k–$100k	—
3 monthsIRA CD tier $500-$2,499	3.04%	—	—	—	—	—	—3.04% $500–$2.5k	—
6 monthsIRA CD tier $10,000-$24,999; 6-month schedule shared with $500-$2,499 table	—	—	3.30%	—	—	—	3.30%	$164
6 monthsIRA CD tier $100,000+; 6-month schedule shared with $500-$2,499 table	—	—	—	—	—	3.30%	—3.30% from $100k	—
6 monthsIRA CD tier $2,500-$9,999; 6-month schedule shared with $500-$2,499 table	—	3.30%	—	—	—	—	—3.30% $2.5k–$10k	—
6 monthsIRA CD tier $25,000-$49,999; 6-month schedule shared with $500-$2,499 table	—	—	—	3.30%	—	—	—3.30% $25k–$50k	—
6 monthsIRA CD tier $50,000-$99,999; 6-month schedule shared with $500-$2,499 table	—	—	—	—	3.30%	—	—3.30% $50k–$100k	—
6 monthsIRA CD tier $500-$2,499	3.30%	—	—	—	—	—	—3.30% $500–$2.5k	—
12 monthsIRA CD tier $10,000-$24,999; 12-month schedule shared with $500-$2,499 table	—	—	3.04%	—	—	—	3.04%	$304
12 monthsIRA CD tier $100,000+; 12-month schedule shared with $500-$2,499 table	—	—	—	—	—	3.04%	—3.04% from $100k	—
12 monthsIRA CD tier $2,500-$9,999; 12-month schedule shared with $500-$2,499 table	—	3.04%	—	—	—	—	—3.04% $2.5k–$10k	—
12 monthsIRA CD tier $25,000-$49,999; 12-month schedule shared with $500-$2,499 table	—	—	—	3.04%	—	—	—3.04% $25k–$50k	—
12 monthsIRA CD tier $50,000-$99,999; 12-month schedule shared with $500-$2,499 table	—	—	—	—	3.04%	—	—3.04% $50k–$100k	—
12 monthsIRA CD tier $500-$2,499	3.04%	—	—	—	—	—	—3.04% $500–$2.5k	—
18 monthsIRA CD tier $10,000-$24,999	—	—	2.71%	—	—	—	2.71%	$409
18 monthsIRA CD tier $100,000+	—	—	—	—	—	3.30%	—3.30% from $100k	—
18 monthsIRA CD tier $2,500-$9,999; 18-month schedule shared with $500-$2,499 table	—	2.53%	—	—	—	—	—2.53% $2.5k–$10k	—
18 monthsIRA CD tier $25,000-$49,999	—	—	—	3.04%	—	—	—3.04% $25k–$50k	—
18 monthsIRA CD tier $50,000-$99,999	—	—	—	—	3.15%	—	—3.15% $50k–$100k	—
18 monthsIRA CD tier $500-$2,499	2.53%	—	—	—	—	—	—2.53% $500–$2.5k	—
24 monthsIRA CD tier $10,000-$24,999	—	—	1.87%	—	—	—	1.87%	$377
24 monthsIRA CD tier $100,000+	—	—	—	—	—	2.53%	—2.53% from $100k	—
24 monthsIRA CD tier $2,500-$9,999; 24-month schedule shared with $500-$2,499 table	—	1.76%	—	—	—	—	—1.76% $2.5k–$10k	—
24 monthsIRA CD tier $25,000-$49,999	—	—	—	2.17%	—	—	—2.17% $25k–$50k	—
24 monthsIRA CD tier $50,000-$99,999	—	—	—	—	2.27%	—	—2.27% $50k–$100k	—
24 monthsIRA CD tier $500-$2,499	1.76%	—	—	—	—	—	—1.76% $500–$2.5k	—
36 monthsIRA CD tier $10,000-$24,999	—	—	1.87%	—	—	—	1.87%	$572
36 monthsIRA CD tier $100,000+	—	—	—	—	—	2.53%	—2.53% from $100k	—
36 monthsIRA CD tier $2,500-$9,999; 36-month schedule shared with $500-$2,499 table	—	1.76%	—	—	—	—	—1.76% $2.5k–$10k	—
36 monthsIRA CD tier $25,000-$49,999	—	—	—	2.17%	—	—	—2.17% $25k–$50k	—
36 monthsIRA CD tier $50,000-$99,999	—	—	—	—	2.27%	—	—2.27% $50k–$100k	—
36 monthsIRA CD tier $500-$2,499	1.76%	—	—	—	—	—	—1.76% $500–$2.5k	—
48 monthsIRA CD tier $10,000-$24,999	—	—	1.97%	—	—	—	1.97%	$812
48 monthsIRA CD tier $100,000+	—	—	—	—	—	2.78%	—2.78% from $100k	—
48 monthsIRA CD tier $2,500-$9,999; 48-month schedule shared with $500-$2,499 table	—	1.87%	—	—	—	—	—1.87% $2.5k–$10k	—
48 monthsIRA CD tier $25,000-$49,999	—	—	—	2.11%	—	—	—2.11% $25k–$50k	—
48 monthsIRA CD tier $50,000-$99,999	—	—	—	—	2.53%	—	—2.53% $50k–$100k	—
48 monthsIRA CD tier $500-$2,499	1.87%	—	—	—	—	—	—1.87% $500–$2.5k	—
60 monthsIRA CD tier $10,000-$24,999	—	—	1.97%	—	—	—	1.97%	$1,025
60 monthsIRA CD tier $100,000+	—	—	—	—	—	2.78%	—2.78% from $100k	—
60 monthsIRA CD tier $2,500-$9,999; 60-month schedule shared with $500-$2,499 table	—	1.87%	—	—	—	—	—1.87% $2.5k–$10k	—
60 monthsIRA CD tier $25,000-$49,999	—	—	—	2.11%	—	—	—2.11% $25k–$50k	—
60 monthsIRA CD tier $50,000-$99,999	—	—	—	—	2.53%	—	—2.53% $50k–$100k	—
60 monthsIRA CD tier $500-$2,499	1.87%	—	—	—	—	—	—1.87% $500–$2.5k	—

Sources (3)

All captured Oct 16, 2026

Who can join Credit Union ONE

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Open to anyone who lives, works, worships, or goes to school in the State of Michigan.
Open to anyone who lives, works, worships, or goes to school in Cuyahoga, Lake, Lucas, Sandusky, Summit, or Wood County, Ohio.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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