Credit union · NCUA insured
Intandem Credit Union CD Rates
Intandem Credit Union’s best CD rate is 4.25% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Intandem Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Intandem Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Intandem Credit Union
4.25%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $461
Term Share Certificates
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
Intandem Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.25%
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 Intandem 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.
Term Share Certificates
Up to 4.25%APY · 9 terms
Membership eligibility requirements apply. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 3.15% | $78 |
| 6 monthsPenalty for early withdrawal | 3.15% | $156 |
| 12 monthsPenalty for early withdrawal | 3.20% | $320 |
| 13 monthsPenalty for early withdrawal | 4.25% | $461 |
| 18 monthsPenalty for early withdrawal | 3.30% | $499 |
| 24 monthsPenalty for early withdrawal | 3.55% | $723 |
| 36 monthsPenalty for early withdrawal | 3.25% | $1,007 |
| 48 monthsPenalty for early withdrawal | 3.09% | $1,294 |
| 60 monthsPenalty for early withdrawal | 2.50% | $1,314 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Youth Share Certificates
Up to 3.55%APY · 3 terms
Available only to youth club members aged 17 years old and younger. Minimum deposit of $100. Additional deposits in $50 increments permitted during the first six months. Penalty for early withdrawal.
| Term | APY · Up to $500 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsAvailable only to youth club members 17 years old and younger. Penalty for early withdrawal | — | 3.55% | 3.55% | $355 |
| 12 monthsMax $500. Available only to youth club members 17 years old and younger. Penalty for early withdrawal | 4.50% | — | —4.50% to $500 | — |
| 24 monthsAvailable only to youth club members 17 years old and younger. Penalty for early withdrawal | — | 3.25% | 3.25% | $661 |
| 36 monthsAvailable only to youth club members 17 years old and younger. Penalty for early withdrawal | — | 3.04% | 3.04% | $940 |
Sources (2)
All captured Oct 16, 2026
Who can join Intandem 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 whose residence, employment, place of religious worship, or school is in Allegan, Barry, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Muskegon, Newaygo, Oceana, Osceola, and Ottawa Counties is eligible to join.
Employers and groups
- Employees of Intandem Credit Union are eligible to join.
Family and household
- A spouse of a deceased member is eligible if accepted into membership prior to remarriage.
- Immediate family members of eligible groups or members are eligible to join.
Other ways
- Individuals who have a record of conversion to one of the community charters with an effective date on or after May 31, 2002 are eligible for membership.
- Any legal entity comprised for the most part of the same general group as the membership of the credit union is eligible.
1 more way to join
Other ways
- Any person receiving a retirement annuity, pension, social security, or similar retirement payment who lives in or belongs to a retirement organization located in chartered or adjacent chartered counties is eligible.
Membership information collected October 5, 2026.