Credit union · NCUA insured
Honor Credit Union CD Rates
Honor Credit Union’s best CD rate is 4.03% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Honor Credit Union’s CD rates compare
Compared with banks and credit unions near Niles, MI, where Honor Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Honor Credit Union
4.03%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $267
Certificate of Deposit
Top rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
Honor Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo4.03%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo1.60%
- 31–60 months31–60 mo2.15%
- QualifiedQualified4.03%
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 Honor 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
Certificate of Deposit
Up to 4.03%APY · 11 terms
Minimum opening deposit is $50.00 unless otherwise noted. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 0.50% | $12 |
| 6 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.25% | $62 |
| 8 months8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest | 4.03% | $267 |
| 9 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.25% | $94 |
| 12 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.50% | $150 |
| 18 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.50% | $226 |
| 24 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.60% | $323 |
| 30 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.60% | $405 |
| 36 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.95% | $596 |
| 48 monthsRate Protector allows a two-time rate adjustment with no penalties or fees | 2.05% | $846 |
| 60 monthsRate Protector allows a two-time rate adjustment with no penalties or fees | 2.15% | $1,122 |
Sources (1)
- honorcu.com/savings-rates · captured Oct 16, 2026
IRA Certificate
Up to 4.03%APY · 11 terms
Minimum opening deposit is $50.00 unless otherwise noted. Includes Traditional IRA, Roth IRA, and Coverdell Education Certificates. Youth under 18 receive an additional 0.25% APY to stated rates unless noted. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 0.50% | $12 |
| 6 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.25% | $62 |
| 8 months8-month CD Special. Minimum opening balance of $1,000 required. Not applicable for Public Funds. Not eligible for Rate Protector rate bump. Renews at standard 9-month CD terms upon maturity. Early withdrawal penalty is 90 days of interest | 4.03% | $267 |
| 9 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.25% | $94 |
| 12 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.50% | $150 |
| 18 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.50% | $226 |
| 24 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.60% | $323 |
| 30 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.60% | $405 |
| 36 monthsRate Protector allows a one-time rate adjustment with no penalties or fees | 1.95% | $596 |
| 48 monthsRate Protector allows a two-time rate adjustment with no penalties or fees | 2.05% | $846 |
| 60 monthsRate Protector allows a two-time rate adjustment with no penalties or fees | 2.15% | $1,122 |
Sources (1)
- honorcu.com/savings-rates · captured Oct 16, 2026
Jumbo Certificate
Up to 2.40%APY · 5 terms
Minimum opening deposit for Jumbo CDs is $100,000.00. Youth under the age of 18 receive an additional 0.25% APY unless otherwise noted. Jumbo CD not available for Coverdell Education Savings Accounts. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.75% | — |
| 24 months | 1.85% | — |
| 36 months | 2.20% | — |
| 48 months | 2.30% | — |
| 60 months | 2.40% | — |
Sources (1)
- honorcu.com/savings-rates · captured Oct 16, 2026
Who can join Honor Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in select Indiana counties (Lake, Porter, LaPorte, St. Joseph, Elkhart, Lagrange, Steuben, Newton, Jasper, Starke, Marshal, Kosciusko, Noble, or Dekalb) are eligible to join.
- Individuals who live, work, or worship in the state of Michigan are eligible to join.
- Individuals who live or work in select Wisconsin counties (Iron, Vilas, Forest, Florence, or Marinette) are eligible to join.
Employers and groups
- Individuals who make a verified donation to Special Olympics Michigan and sign up for their newsletter are eligible to join (not available for Indiana residents).
Military, government and schools
- Individuals enrolled in a college, university, or trade school in Michigan are eligible for membership.
Family and household
- Immediate family members of current Honor Credit Union members are eligible to join.
Membership information collected October 5, 2026.