Credit union · NCUA insured
Diversified Members Credit Union CD Rates
Diversified Members Credit Union’s best CD rate is 5.15% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Diversified Members Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Diversified Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Legacy 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
3rd-highest rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
Diversified Members Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo5.15%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.00%
- QualifiedQualified5.15%
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 Diversified Members 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.
Legacy Certificate of Deposit
5.15%APY · 1 term
For loved ones opening an account after a member passes away. Funds must have been on deposit at DMCU at the time of death. The individual must be a representative, beneficiary or joint owner of the descendant's account and qualify for membership. Allows two withdrawals without penalty; third withdrawal assesses penalty and closes account. Minimum deposit $5,000, maximum deposit $1,000,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust be representative, beneficiary or joint owner of descendant's account with funds on deposit at DMCU at time of death. Two withdrawals allowed without penalty during term; third withdrawal incurs penalty and closes account | 5.15% | $515 |
Sources (2)
All captured Oct 5, 2026
Certificates of Deposit
Up to 3.60%APY · 6 terms
Insured up to $250,000. Jumbo CD over $100,000.00 adds 0.05% to all terms (minimum balance $100,000.00, excluded from 18 and 48 month special). Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 3.40% | $169 |
| 12 monthsEarly withdrawal penalty applies | 3.50% | $350 |
| 24 monthsEarly withdrawal penalty applies | 3.60% | $733 |
| 36 monthsEarly withdrawal penalty applies | 2.50% | $769 |
| 48 monthsUpon maturity, 48 month CD will automatically renew at 36 month CD rate at that time. Jumbo CD bump is excluded from this special. Early withdrawal penalties apply | 3.00% | $1,255 |
| 60 monthsEarly withdrawal penalty applies | 3.00% | $1,593 |
Sources (2)
All captured Oct 5, 2026
Save to Win Certificate
3.00%APY · 1 term
Every $25 deposit earns 1 entry to win cash prizes (up to 100 entries per month, 300 entries per quarter). Lets you add money anytime. Initial deposit is $25. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInitial deposit $25. Early withdrawal penalties apply. Add money anytime | 3.00% | $300 |
Sources (2)
- dmcu.com/personal-accounts/sav…/certificates-of-deposit
- dmcu.com/personal-accounts/sav…/save-to-win-certificate
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.60%APY · 6 terms
Jumbo IRA over $100,000.00 adds 0.05% to all terms (minimum balance $100,000.00, excluded from 18 and 48 month special). Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 3.40% | $169 |
| 12 monthsEarly withdrawal penalty applies | 3.50% | $350 |
| 24 monthsEarly withdrawal penalty applies | 3.60% | $733 |
| 36 monthsEarly withdrawal penalty applies | 2.50% | $769 |
| 48 monthsUpon maturity, 48 month CD will automatically renew at 36 month CD rate at that time. Jumbo CD bump is excluded from this special. Early withdrawal penalties apply | 3.00% | $1,255 |
| 60 monthsEarly withdrawal penalty applies | 3.00% | $1,593 |
Sources (2)
All captured Oct 5, 2026
Who can join Diversified Members Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.