Credit union · NCUA insured
Isabella Community Credit Union CD Rates
Isabella Community Credit Union’s best CD rate is 3.85% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Isabella Community Credit Union’s CD rates compare
Compared with banks and credit unions near Mount Pleasant, MI, where Isabella Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Isabella Community Credit Union
3.85%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $191
Certificates of Deposit
Top rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
Members First Credit Union
4.25%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $534
Isabella Community Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.85%
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 Isabella Community 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.
Certificates of Deposit
Up to 3.85%APY · 7 terms
Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.80% | 3.00% | 2.80%3.00% from $10k | $69 |
| 6 months | 3.65% | 3.85% | 3.65%3.85% from $10k | $181 |
| 12 months | 3.65% | 3.85% | 3.65%3.85% from $10k | $365 |
| 24 months | 3.45% | 3.65% | 3.45%3.65% from $10k | $702 |
| 36 months | 3.45% | 3.65% | 3.45%3.65% from $10k | $1,071 |
| 48 months | 3.55% | 3.75% | 3.55%3.75% from $10k | $1,497 |
| 60 months | 3.65% | 3.85% | 3.65%3.85% from $10k | $1,963 |
Sources (1)
- iccuonline.com/current-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.85%APY · 7 terms
Minimum Share Certificate Balance: $500. Interest is compounded monthly. Penalty for early withdrawal. Rates are guaranteed for the specific term, based on the date of issue.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 2.80% | 3.00% | 2.80%3.00% from $10k | $69 |
| 6 months | 3.65% | 3.85% | 3.65%3.85% from $10k | $181 |
| 12 months | 3.65% | 3.85% | 3.65%3.85% from $10k | $365 |
| 24 months | 3.45% | 3.65% | 3.45%3.65% from $10k | $702 |
| 36 months | 3.45% | 3.65% | 3.45%3.65% from $10k | $1,071 |
| 48 months | 3.55% | 3.75% | 3.55%3.75% from $10k | $1,497 |
| 60 months | 3.65% | 3.85% | 3.65%3.85% from $10k | $1,963 |
Sources (1)
- iccuonline.com/current-rates · captured Oct 5, 2026
Who can join Isabella Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives or works in Isabella County or one of the surrounding counties (Clare, Gladwin, Gratiot, Midland, Montcalm, Mecosta, and Osceola).
Family and household
- Eligibility is open to anyone who is related to a current ICCU member.
Cost to join
- A $5.00 deposit is required to open a savings account for membership.
Membership information collected October 5, 2026.