Credit union · NCUA insured
Frankenmuth Credit Union CD Rates
Top CarrotFrankenmuth Credit Union’s best CD rate is 3.75% APY on a 21-month share certificate (CD). Terms run from 3 months to 21 months. Rates checked October 16, 2026.
How Frankenmuth Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Frankenmuth Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Frankenmuth Credit Union
3.25%APY
- Term
- 21 months
- Minimum
- $500
- Earns on $10,000
- $576
21 Month CD Special
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
Frankenmuth Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.80%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo3.25%
- QualifiedQualified3.25%
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 Frankenmuth 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.
21 Month CD Special
3.25%APY · 1 term
Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
| Term | APY · $500 – $99,999 | APY · $100,000 – $149,000 | APY · $150,000 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 21 monthsGood for funds already at FCU and new funds | 3.25% | 3.35% | 3.55% | 3.75% | 3.25%3.35% $100k–$149k3.55% $150k–$250k3.75% from $250k | $576 |
Sources (1)
- frankenmuthcu.org/product/11-month-cd-special · captured Oct 5, 2026
11 Month CD Special
3.15%APY · 1 term
Odd termed CD offer under CD Specials. VIP Gold or Platinum members get 1/4% monthly interest bonus. Birthday cards do not qualify.
| Term | APY · $500 – $99,999 | APY · $100,000 – $149,000 | APY · $150,000 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 11 monthsGood for funds already at FCU and new funds | 3.15% | 3.25% | 3.45% | 3.65% | 3.15%3.25% $100k–$149k3.45% $150k–$250k3.65% from $250k | $288 |
Sources (1)
- frankenmuthcu.org/product/11-month-cd-special · captured Sep 18, 2026
Save To Win CD
3.00%APY · 1 term
Can add funds at anytime. Cannot withdraw until 12 months after date of opening. Withdrawal Charges: if the CD balance is under $25,000, fee for one-time withdrawal is $50; if $25,000 or higher, fee is $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEffective Date: October 15, 2026 | 3.00% | $300 |
Sources (1)
- frankenmuthcu.org/rates · captured Oct 16, 2026
Certificate of Deposit
2.80%APY · 1 term
Length of term: 3 months through 60 months. Minimum amounts: $500.00. Early withdrawal penalty applies. Must compound to earn stated APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEffective Date: October 15, 2026 | 2.80% | $69 |
Sources (1)
- frankenmuthcu.org/product/11-month-cd-special · captured Oct 16, 2026
Special-purpose accounts
Livestock CD Special
5.00%APY · 1 term
For funds new to FCU only. Only for funds youth get who sold livestock at county fairs. Must use proceeds of livestock sale to open CD with check coming from specified county fair entities.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 8 monthsFor funds new to FCU only. Must use proceeds of livestock sale to open CD. Check must come from qualifying county fair / livestock organizations | 5.00% | $331 |
Sources (1)
- frankenmuthcu.org/product/11-month-cd-special · captured Oct 5, 2026
IRA Certificate of Deposit
2.80%APY · 1 term
IRA certificate interest must be compounded or posted to an FCU IRA account. Additional deposits to an IRA CD may be made at any time with a minimum deposit amount of $500.00. $4.00 enrollment fee and $12.00 annual maintenance fee applies to IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEffective Date: October 15, 2026 | 2.80% | $69 |
Sources (2)
All captured Oct 16, 2026
Who can join Frankenmuth 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 who lives, works, or worships in the state of Michigan is eligible to join.
Military, government and schools
- Anyone who was educated in the state of Michigan is eligible to join.
Family and household
- Relatives of a present Frankenmuth Credit Union member are eligible to join.
Membership information collected October 5, 2026.