Credit union · NCUA insured
Members First Credit Union CD Rates
Top CarrotMembers First Credit Union’s best CD rate is 4.25% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Members First Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Members First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members First Credit Union
4.25%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $534
Certificates of Deposit
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
Members First Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.75%
- 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 Members First 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
Certificates of Deposit
Up to 4.25%APY · 9 terms
For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 4.00% | $198 |
| 9 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 3.70% | $276 |
| 12 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 3.75% | $375 |
| 15 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 4.25% | $534 |
| 24 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 3.60% | $733 |
| 27 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 3.60% | $828 |
| 36 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 3.70% | $1,152 |
| 48 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 3.75% | $1,587 |
| 60 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Penalty for early withdrawal | 3.75% | $2,021 |
IRA Certificates of Deposit
Up to 4.25%APY · 9 terms
For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Early withdrawal penalties apply. No set-up, maintenance, or closing fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 4.00% | $198 |
| 9 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 3.70% | $276 |
| 12 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 3.75% | $375 |
| 15 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 4.25% | $534 |
| 24 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 3.60% | $733 |
| 27 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 3.60% | $828 |
| 36 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 3.70% | $1,152 |
| 48 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 3.75% | $1,587 |
| 60 monthsMinimum opening deposit $500. Required minimum balance is $100 for members under 18. 0.10% APY bonus earned with M1 Premier Checking Account. Penalty for early withdrawal | 3.75% | $2,021 |
Who can join Members First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, attend school or worship within any county in the State of Michigan are eligible to join.
Family and household
- Persons in the immediate family of existing members are eligible to join.
Cost to join
- Opening a primary savings account requires a $5 minimum opening deposit to signify part ownership.
Membership information collected October 5, 2026.