Credit union · NCUA insured
Family Financial Credit Union CD Rates
Top CarrotFamily Financial Credit Union’s best CD rate is 4.18% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Family Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where Family Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Financial Credit Union
4.07%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $407
Certificate of Deposit
Top rate
Michigan Coastal Credit Union
4.30%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $467
2nd-highest rate
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
Family Financial Credit Union CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo4.07%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo2.94%
- QualifiedQualified4.07%
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 Family Financial 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.
Jumbo CD
Up to 4.18%APY · 5 terms
Requires maintaining a $5.00 par value share in the credit union. Early withdrawal penalty applies (90 days interest for terms 12 months or less, 180 days interest for terms over 12 months); 7-day grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.18% | $418 |
| 24 months | 2.63% | $533 |
| 36 months | 2.73% | $842 |
| 48 months | 2.84% | $1,185 |
| 60 months | 3.04% | $1,615 |
Certificate of Deposit
Up to 4.07%APY · 7 terms
Fixed rate locked at account opening. Requires maintaining a $5.00 par value share in the credit union. Early withdrawal penalty applies (90 days interest for terms 12 months or less, 180 days interest for terms over 12 months); 7-day grace period at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 2.02% | $100 |
| 12 months | 4.07% | $407 |
| 24 months | 2.53% | $512 |
| 36 months | 2.63% | $810 |
| 48 months | 2.73% | $1,138 |
| 60 months | 2.94% | $1,559 |
CD Plus Account
1.00%APY · 1 term
Allows additional deposits manually or automatically through payroll deduction or direct deposit prior to maturity. Requires maintaining a $5.00 par value share in the credit union.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.00% | $50 |
Save to Win CD
0.50%APY · 1 term
For every $25 deposited, account holder enters into drawings for monthly and quarterly cash prizes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.50% | $50 |
Special-purpose accounts
IRA Certificate
Up to 4.18%APY · 7 terms
Funds from Traditional IRA accounts may be invested in certificate of deposit and jumbo certificate of deposit accounts. A Traditional IRA account must be established to qualify. Subject to IRS retirement account restrictions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 2.02% | $100 |
| 12 months | 4.07% | $407 |
| 12 monthsJumbo IRA Certificate tier | 4.18% | $418 |
| 24 months | 2.53% | $512 |
| 24 monthsJumbo IRA Certificate tier | 2.63% | $533 |
| 36 months | 2.63% | $810 |
| 36 monthsJumbo IRA Certificate tier | 2.73% | $842 |
| 48 months | 2.73% | $1,138 |
| 48 monthsJumbo IRA Certificate tier | 2.84% | $1,185 |
| 60 months | 2.94% | $1,559 |
| 60 monthsJumbo IRA Certificate tier | 3.04% | $1,615 |
Who can join Family Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Kent, Allegan, Mason, Montcalm, Muskegon, Ottawa, Oceana, or Newaygo County.
Family and household
- Anyone related to a member by blood, marriage, or adoption is eligible to join regardless of where they reside.
Membership information collected October 5, 2026.