Credit union · NCUA insured
FinancialEdge Credit Union CD Rates
Top CarrotFinancialEdge Credit Union’s best CD rate is 3.80% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How FinancialEdge Credit Union’s CD rates compare
Compared with banks and credit unions near Bay City, MI, where FinancialEdge Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FinancialEdge Credit Union
3.40%APY
- Term
- 37 months
- Minimum
- $1,000
- Earns on $10,000
- $1,086
Certificates of Deposit
Top rate
Sunrise Family Credit Union
4.59%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $498
2nd-highest rate
Lake Huron Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $920
FinancialEdge Credit Union CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.40%
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 FinancialEdge 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.
Special-purpose accounts
Certificates of Deposit
Up to 3.40%APY · 11 terms
Interest calculated by daily balance method. Rates fixed for term of certificate. Penalty may be imposed for early withdrawal. Minimum opening and dividend balance for minors is $100.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | — | 2.60% | —2.60% from $100k | — |
| 6 monthsMinimum opening and dividend balance is $100 for minors | 2.50% | — | 2.50% | $124 |
| 12 months | 2.50% | 2.60% | 2.50%2.60% from $100k | $250 |
| 13 monthsSpecial rate | 3.25% | — | 3.25% | $353 |
| 15 monthsSpecial rate | — | 3.80% | —3.80% from $100k | — |
| 18 months | 2.50% | 2.60% | 2.50%2.60% from $100k | $377 |
| 24 months | 2.47% | 2.60% | 2.47%2.60% from $100k | $500 |
| 25 monthsSpecial rate | 3.35% | — | 3.35% | $711 |
| 36 months | 2.70% | 2.70% | 2.70%2.70% from $100k | $832 |
| 37 monthsSpecial rate | 3.40% | — | 3.40% | $1,086 |
| 48 months | 2.90% | 2.90% | 2.90%2.90% from $100k | $1,211 |
| 60 months | 3.00% | 3.00% | 3.00%3.00% from $100k | $1,593 |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
Who can join FinancialEdge Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons whose residence, employment, place of religious worship, or who are attending school in Arenac, Bay, Gladwin, Huron, Midland, Saginaw, Sanilac, or Tuscola counties.
Employers and groups
- Employees of this credit union.
Family and household
- Members of the immediate families of eligible persons.
- A spouse of a deceased member if accepted into membership prior to remarriage.
Other ways
- Any legal entity comprised for the most part of the same general group as the membership of the credit union.
- Any person receiving a retirement annuity, pension, social security, or similar retirement payment from private/government sources who lives in or belongs to a retirement organization in the county (or contiguous county) where the credit union's principal place of business is located.
Cost to join
- A $5 deposit to open a share savings account is required for membership.
Membership information collected October 5, 2026.