Credit union · NCUA insured
DFCU Financial CD Rates
DFCU Financial’s best CD rate is 4.40% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How DFCU Financial’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where DFCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
DFCU Financial
4.40%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $899
Share Certificate
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
DFCU Financial CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.40%
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 DFCU Financial 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.
Share Certificate
Up to 4.40%APY · 8 terms
Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.
| Term | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% $25k–$100k3.75% from $100k | $92 |
| 6 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $25k–$100k4.00% from $100k | $198 |
| 11 months | 4.25% | 4.25% | 4.25% | 4.25%4.25% $25k–$100k4.25% from $100k | $389 |
| 12 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$100k3.50% from $100k | $350 |
| 18 months | 3.25% | 3.35% | 3.50% | 3.25%3.35% $25k–$100k3.50% from $100k | $491 |
| 24 months | 4.40% | 4.40% | 4.40% | 4.40%4.40% $25k–$100k4.40% from $100k | $899 |
| 36 months | 3.25% | 3.35% | 3.50% | 3.25%3.35% $25k–$100k3.50% from $100k | $1,007 |
| 60 months | 3.25% | 3.35% | 3.50% | 3.25%3.35% $25k–$100k3.50% from $100k | $1,734 |
Special-purpose accounts
IRA Certificate
Up to 4.40%APY · 8 terms
Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Early withdrawal penalties may apply.
| Term | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.75% | 3.75% | 3.75% | 3.75%3.75% $25k–$100k3.75% from $100k | $92 |
| 6 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $25k–$100k4.00% from $100k | $198 |
| 11 months | 4.25% | 4.25% | 4.25% | 4.25%4.25% $25k–$100k4.25% from $100k | $389 |
| 12 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$100k3.50% from $100k | $350 |
| 18 months | 3.25% | 3.35% | 3.50% | 3.25%3.35% $25k–$100k3.50% from $100k | $491 |
| 24 months | 4.40% | 4.40% | 4.40% | 4.40%4.40% $25k–$100k4.40% from $100k | $899 |
| 36 months | 3.25% | 3.35% | 3.50% | 3.25%3.35% $25k–$100k3.50% from $100k | $1,007 |
| 60 months | 3.25% | 3.35% | 3.50% | 3.25%3.35% $25k–$100k3.50% from $100k | $1,734 |
Sources (2)
All captured Oct 16, 2026
Who can join DFCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the designated Florida counties (14-county or 15-county region across Tampa Bay, Central, and Southwest Florida) is eligible for membership.
- Anyone who lives, works, worships, or attends school in Michigan's Lower Peninsula is eligible for membership.
Membership information collected October 5, 2026.