Credit union · NCUA insured
Embers Credit Union CD Rates
Embers Credit Union’s best CD rate is 4.15% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Embers Credit Union’s CD rates compare
Compared with banks and credit unions near Marquette, MI, where Embers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Embers Credit Union
4.15%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $415
Certificate of Deposit
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
Embers Credit Union CD score
91
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo4.15%
- QualifiedQualified4.15%
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 Embers 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 4.15%APY · 7 terms
Dividends are paid monthly directly into the certificate account. Minimum deposit of $1,000 required to open. Early withdrawal penalty may be up to half of the dividends that would be earned over the full term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are paid monthly | 3.90% | $193 |
| 12 monthsDividends are paid monthly | 4.15% | $415 |
| 18 monthsDividends are paid monthly | 4.15% | $629 |
| 24 monthsDividends are paid monthly | 4.15% | $847 |
| 36 monthsDividends are paid monthly | 4.15% | $1,297 |
| 48 monthsDividends are paid monthly | 3.75% | $1,587 |
| 60 monthsDividends are paid monthly | 3.75% | $2,021 |
Who can join Embers Credit Union
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