Credit union · NCUA insured
Marshall Community Credit Union CD Rates
Marshall Community Credit Union’s best CD rate is 4.25% APY on a 10-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Marshall Community Credit Union’s CD rates compare
Compared with banks and credit unions near Battle Creek, MI, where Marshall Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Marshall Community Credit Union
3.95%APY
- Term
- 10 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $328
10-Month Certificate Special
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
Advia Credit Union
4.61%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $422
Marshall Community Credit Union CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo1.80%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo1.80%
- 31–60 months31–60 mo1.80%
- QualifiedQualified3.95%
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 Marshall 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.
10-Month Certificate Special
Up to 3.95%APY · 1 term
No new money requirement. Jumbo rates and tiered CD retention options do not apply. Automatically renews to a 12-month term upon maturity. Early withdrawal penalties apply. Rate depends on Member Rewards tier and balance tier.
| Term | APY · $1,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $124,999 | APY · $125,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 10 monthsAdvantage Member Rewards tier | 3.85% | 3.95% | 4.05% | 4.15% | 3.85%3.95% $25k–$50k4.05% $50k–$125k4.15% from $125k | $320 |
| 10 monthsLoyal Member Rewards tier | 3.75% | 3.85% | 3.95% | 4.05% | 3.75%3.85% $25k–$50k3.95% $50k–$125k4.05% from $125k | $312 |
| 10 monthsPremier Member Rewards tier | 3.95% | 4.05% | 4.15% | 4.25% | 3.95%4.05% $25k–$50k4.15% $50k–$125k4.25% from $125k | $328 |
| 10 monthsValued Member Rewards tier | 3.60% | 3.70% | 3.80% | 3.90% | 3.60%3.70% $25k–$50k3.80% $50k–$125k3.90% from $125k | $299 |
Sources (1)
- marshallcommunitycu.com/_/kcms…-CD-Special-Template.pdf · captured Sep 18, 2026
Certificate of Deposit
Up to 1.80%APY · 6 terms
No setup or maintenance fees. Early withdrawal penalty applies (terms under 6 months: 90 days' dividends; 12-24 months: 180 days' dividends; 30-60 months: 365 days' dividends). 6-month term does not compound and pays at maturity; 12-month and over pays monthly. Additional 0.15% APY for deposits of $50,000 or higher with terms of 24 months or longer. Minimum $5.00 regular share balance required for membership.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAdvantage Member Rewards tier. No compounding. Interest paid at maturity. Not available for IRA | 1.70% | $85 |
| 6 monthsLoyal Member Rewards tier. No compounding. Interest paid at maturity. Not available for IRA | 1.60% | $80 |
| 6 monthsPremier Member Rewards tier. No compounding. Interest paid at maturity. Not available for IRA | 1.80% | $90 |
| 6 monthsValued Member Rewards tier. No compounding. Interest paid at maturity. Not available for IRA | 1.45% | $72 |
| 12 monthsAdvantage Member Rewards tier. Interest paid monthly | 1.70% | $170 |
| 12 monthsLoyal Member Rewards tier. Interest paid monthly | 1.60% | $160 |
| 12 monthsPremier Member Rewards tier. Interest paid monthly | 1.80% | $180 |
| 12 monthsValued Member Rewards tier. Interest paid monthly | 1.45% | $145 |
| 24 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $343 |
| 24 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $323 |
| 24 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $363 |
| 24 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $292 |
| 36 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $519 |
| 36 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $488 |
| 36 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $550 |
| 36 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $441 |
| 48 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $698 |
| 48 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $656 |
| 48 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $740 |
| 48 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $593 |
| 60 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $879 |
| 60 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $826 |
| 60 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $933 |
| 60 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $746 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 1.80%APY · 5 terms
No setup, monthly, or annual maintenance fees. Available in Traditional and Roth IRA options. Early withdrawal penalty applies (terms of 12-24 months: 180 days' dividends; 30-60 months: 365 days' dividends). Interest paid monthly. Additional 0.15% APY for deposits of $50,000 or higher with terms of 24 months or longer. Minimum $5.00 regular share balance required for membership. 6-month term is not available for IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdvantage Member Rewards tier. Interest paid monthly | 1.70% | $170 |
| 12 monthsLoyal Member Rewards tier. Interest paid monthly | 1.60% | $160 |
| 12 monthsPremier Member Rewards tier. Interest paid monthly | 1.80% | $180 |
| 12 monthsValued Member Rewards tier. Interest paid monthly | 1.45% | $145 |
| 24 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $343 |
| 24 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $323 |
| 24 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $363 |
| 24 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $292 |
| 36 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $519 |
| 36 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $488 |
| 36 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $550 |
| 36 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $441 |
| 48 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $698 |
| 48 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $656 |
| 48 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $740 |
| 48 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $593 |
| 60 monthsAdvantage Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.70% | $879 |
| 60 monthsLoyal Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.60% | $826 |
| 60 monthsPremier Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.80% | $933 |
| 60 monthsValued Member Rewards tier. Interest paid monthly. Any CD $50,000 minimum qualifies for additional 0.15% APY for 24 months and longer | 1.45% | $746 |
Who can join Marshall 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
- Individuals who live, work, worship, or are educated in Calhoun, Jackson, Hillsdale, Branch, St. Joseph, Kalamazoo, Barry, and Eaton counties in Michigan are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
- Organizations incorporated or otherwise composed mostly of the same general group making up the credit union membership are eligible for membership.
Family and household
- Members of the immediate families of eligible individuals are eligible for membership.
- A spouse of a deceased member may be elected to membership at any time prior to remarriage.
Other ways
- Any person who receives a retirement annuity, pension, social security, or similar retirement payment from a private or governmental source, and lives in or belongs to a retirement organization located in the county or a county contiguous to the county where the credit union's main office is located, is eligible for membership.
Membership information collected October 5, 2026.