Credit union · NCUA insured
Extra Credit Union CD Rates
Top CarrotExtra Credit Union’s best CD rate is 4.37% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Extra Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Extra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Extra Credit Union
4.37%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,384
Fixed-Rate Certificates
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
Extra Credit Union CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.16%
- 31–60 months31–60 mo4.37%
- QualifiedQualified4.37%
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 Extra 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.
Fixed-Rate Certificates
Up to 4.37%APY · 5 terms
Extra Credit Union membership required with a minimum deposit of $5 in a regular savings account. No monthly fees. Early withdrawal penalty may apply; 10-day grace period after maturity for auto-renewing certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates | 3.80% | $188 |
| 12 monthsDividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates | 4.06% | $406 |
| 24 monthsDividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates | 4.16% | $850 |
| 36 monthsDividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates | 4.27% | $1,335 |
| 60 monthsDividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates | 4.37% | $2,384 |
Sources (2)
All captured Oct 16, 2026
Who can join Extra Credit Union
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