Credit union · NCUA insured
Family First Credit Union CD Rates
Top CarrotFamily First Credit Union’s best CD rate is 4.50% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Family First Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Family First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family First Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $566
New Money CD Specials
Top rate
Health Advantage Credit Union
4.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $336
2nd-highest rate
Dow Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
Family First Credit Union CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.25%
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 First 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.
New Money CD Specials
Up to 4.50%APY · 2 terms
New money only. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsNew money only. Limited time offer | 4.25% | $353 |
| 15 monthsNew money only. Limited time offer | 4.50% | $566 |
Save to Win CD
Up to 4.00%APY · 8 terms
Save to Win program; $25 deposit into Save to Win account for prize drawings. Rates are APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 4.00% | $198 |
| 12 months | 3.50% | $350 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Special-purpose accounts
Youth CD
4.00%APY · 1 term
Maximum age 23 years. Minimum deposit $100, maximum deposit $2,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsMaximum age 23 years. Maximum deposit $2,000 | 4.00% | — |
Sources (1)
- fam1st.com/savings-rates · captured Oct 16, 2026
Traditional/Roth IRA CDs
Up to 3.50%APY · 5 terms
Available as Traditional or Roth IRA certificates. No account maintenance fees on Traditional IRA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 3.25% | $661 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Youth Save to Win CD
3.50%APY · 1 term
Available for members under age 18 with a parent or legal guardian as joint owner. Deposits earn entries into cash prize drawings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum age 18 years. Requires parent or legal guardian as joint owner. $10 minimum deposit | 3.50% | $350 |
Who can join Family First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone residing, working, worshiping, or attending school in Saginaw, Bay, Midland, or Genesee Counties is eligible for membership.
Family and household
- Relatives by blood, marriage, or foster children living in an existing member's household are eligible for membership.
Other ways
- Retirees aged 55 or older receiving a pension and living within Saginaw, Bay, Midland, or Genesee Counties are eligible for membership.
Membership information collected October 5, 2026.