Credit union · NCUA insured
Filer Credit Union CD Rates
Filer Credit Union’s best CD rate is 3.09% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Filer Credit Union’s CD rates compare
Compared with banks and credit unions near Ludington, MI, where Filer Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Filer Credit Union
3.04%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $151
Regular CD
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
Filer Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo2.94%
- 16–30 months16–30 mo2.84%
- 31–60 months31–60 mo2.73%
- QualifiedQualified3.04%
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 Filer 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.
Regular CD
Up to 3.04%APY · 6 terms
Cannot add money to CD once opened. Early withdrawal penalty: 180 days interest for 6-month CD, 365 days interest for terms over 6 months (12 to 60 months). Interest calculated daily and posted monthly to regular shares or compounded to certificate. No age limit.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsMinimum deposit $1,000. Early withdrawal penalty is 6 months interest | 3.04% | — | 3.04% | $151 |
| 6 monthsMinimum deposit $25,000. Early withdrawal penalty is 6 months interest | — | 3.09% | —3.09% from $25k | — |
| 12 monthsMinimum deposit $1,000. Early withdrawal penalty is 12 months interest | 2.94% | — | 2.94% | $294 |
| 12 monthsMinimum deposit $25,000. Early withdrawal penalty is 12 months interest | — | 2.99% | —2.99% from $25k | — |
| 24 monthsMinimum deposit $1,000. Early withdrawal penalty is 12 months interest | 2.84% | — | 2.84% | $576 |
| 24 monthsMinimum deposit $25,000. Early withdrawal penalty is 12 months interest | — | 2.89% | —2.89% from $25k | — |
| 36 monthsMinimum deposit $1,000. Early withdrawal penalty is 12 months interest | 2.73% | — | 2.73% | $842 |
| 36 monthsMinimum deposit $25,000. Early withdrawal penalty is 12 months interest | — | 2.79% | —2.79% from $25k | — |
| 48 monthsMinimum deposit $1,000. Early withdrawal penalty is 12 months interest | 2.53% | — | 2.53% | $1,051 |
| 48 monthsMinimum deposit $25,000. Early withdrawal penalty is 12 months interest | — | 2.63% | —2.63% from $25k | — |
| 60 monthsMinimum deposit $1,000. Early withdrawal penalty is 12 months interest | 2.43% | — | 2.43% | $1,276 |
| 60 monthsMinimum deposit $25,000. Early withdrawal penalty is 12 months interest | — | 2.48% | —2.48% from $25k | — |
Save 2 Win CD
2.94%APY · 1 term
Combines monthly interest with the chance to win monthly lotteries. Early withdrawal penalty is $25.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum deposit $25. 12-month term. Early withdrawal penalty is $25.00 | 2.94% | $294 |
Who can join Filer 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 works, lives, worships, or attends school in any county in the State of Michigan.
Membership information collected October 5, 2026.