Credit union · NCUA insured
Ignite Credit Union CD Rates
Ignite Credit Union’s best CD rate is 4.70% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Ignite Credit Union’s CD rates compare
Compared with banks and credit unions near Battle Creek, MI, where Ignite Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
Certificate Specials
2nd-highest rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
3rd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $183
Ignite Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo4.70%
- 16–30 months16–30 mo2.17%
- 31–60 months31–60 mo2.73%
- QualifiedQualified4.70%
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 Ignite 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.
Certificate Specials
Up to 4.70%APY · 2 terms
Promotional limited-time offer. Minimum deposit of $50 required. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Dividends compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump permitted during the CD term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsPromotional special. Minimum deposit $50. Dividends compounded and credited monthly. Additional deposits permitted during term. One rate bump permitted during term. Penalty for early withdrawal may be imposed | 4.00% | $299 |
| 15 monthsPromotional special. Minimum deposit $50. Dividends compounded and credited monthly. Additional deposits permitted during term. One rate bump permitted during term. Penalty for early withdrawal may be imposed | 4.70% | $591 |
Sources (1)
- ignitecreditunion.com/rates · captured Oct 5, 2026
Certificates (CDs)
Up to 2.73%APY · 8 terms
Minimum balance of $50, with a maximum insured deposit of $250,000. Dividends paid directly to certificate on a monthly basis. Subject to early withdrawal penalty. Additional deposits not allowed. Automatically renews with 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Early withdrawal penalty: 90 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 1.10% | $27 |
| 6 monthsFixed rate. Early withdrawal penalty: 90 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 1.51% | $75 |
| 12 monthsFixed rate. Early withdrawal penalty: 90 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 2.17% | $217 |
| 18 monthsFixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 2.17% | $327 |
| 24 monthsFixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 2.12% | $428 |
| 36 monthsFixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 2.33% | $715 |
| 48 monthsFixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 2.53% | $1,051 |
| 60 monthsFixed rate. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Additional deposits not allowed | 2.73% | $1,442 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Youth Certificates
Up to 2.53%APY · 3 terms
Available for members of Trailblazer Youth Accounts (ages 0-17; joint owner age 18+ required; converts to standard account at age 18). Offers a 0.75% APY rate increase / rate bump for Trailblazer members and includes an add-on feature (additional deposits allowed). $50 minimum deposit, $5,000 maximum per certificate; limit of three Youth Certificates per youth. No monthly maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate. Base APY 2.17% (receives 0.75% APY bump for Trailblazer members). Additional deposits allowed. Early withdrawal penalty: 90 days dividends. Automatically renews with 10 day grace period. Limit of three Youth Certificates per youth | 2.17% | — |
| 24 monthsFixed rate. Base APY 2.12% (receives 0.75% APY bump for Trailblazer members). Additional deposits allowed. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Limit of three Youth Certificates per youth | 2.12% | — |
| 48 monthsFixed rate. Base APY 2.53% (receives 0.75% APY bump for Trailblazer members). Additional deposits allowed. Early withdrawal penalty: 180 days dividends. Automatically renews with 10 day grace period. Limit of three Youth Certificates per youth | 2.53% | — |
Sources (2)
All captured Oct 5, 2026
Who can join Ignite Credit Union
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