Credit union · NCUA insured
Forest Area Federal Credit Union CD Rates
Top CarrotForest Area Federal Credit Union’s best CD rate is 4.10% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Forest Area Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Cadillac, MI, where Forest Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Forest Area Federal Credit Union
4.10%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $237
Promo Share Certificate
Top rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
3rd-highest rate
Horizon Bank
4.05%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $234
Forest Area Federal Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo2.79%
- 31–60 months31–60 mo2.02%
- QualifiedQualified4.10%
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 Forest Area Federal 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.
Promo Share Certificate
4.10%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 4.10% | $237 |
| 13 months | 4.10% | $445 |
Sources (1)
- forestarea.com/rates/homepage.html · captured Oct 16, 2026
Share Certificate
Up to 3.56%APY · 7 terms
Dividends paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.56% | $88 |
| 6 months | 3.56% | $176 |
| 12 months | 3.04% | $304 |
| 24 months | 2.79% | $566 |
| 36 months | 2.02% | $618 |
| 48 months | 2.02% | $833 |
| 60 months | 2.02% | $1,052 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Youth Share Certificate
Up to 7.23%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 7.23% | $355 |
| 12 months | 6.17% | $617 |
Sources (1)
- forestarea.com/rates/homepage.html · captured Oct 16, 2026
IRA Share Certificate
Up to 3.56%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.56% | $176 |
| 12 months | 3.04% | $304 |
| 24 months | 2.79% | $566 |
| 36 months | 2.02% | $618 |
| 48 months | 2.02% | $833 |
| 60 months | 2.02% | $1,052 |
Sources (1)
- forestarea.com/rates/homepage.html · captured Oct 16, 2026
Who can join Forest Area Federal Credit Union
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