Credit union · NCUA insured
Michigan Coastal Credit Union CD Rates
Michigan Coastal Credit Union’s best CD rate is 4.30% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Michigan Coastal Credit Union’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where Michigan Coastal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Michigan Coastal Credit Union
4.30%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $467
13 MO SPECIAL
2nd-highest rate
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $917
3rd-highest rate
Route 31
4.25%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $425
Michigan Coastal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.30%
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 Michigan Coastal 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.
13 MO SPECIAL
4.30%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 4.30% | $467 |
Sources (1)
- michigancoastal.com/accounts/savings-rates · captured Oct 16, 2026
Golden CD
Up to 3.55%APY · 6 terms
Penalties may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 12 months | 3.40% | $340 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.55% | $1,906 |
Sources (2)
All captured Oct 16, 2026
Who can join Michigan Coastal 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This may be incomplete or out of date, so check with the credit union before you apply.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 who lives, works, or worships in Muskegon, Oceana, Newaygo, Ottawa, Kent, Allegan, Van Buren, Barry, or Kalamazoo Counties, Michigan.
Employers and groups
- Employees of Michigan Coastal Credit Union.
Family and household
- Immediate family members of eligible individuals.
- Spouse of a deceased member if elected to membership prior to remarriage.
Other ways
- Members of record of Father Marquette-Muskegon Deanery Credit Union as of the January 11, 1988 merger date.
- Organizations composed primarily of members of the eligible groups.
1 more way to join
Other ways
- Any person over the age of 55 receiving retirement payments who lives in or belongs to a retirement organization in the county (or contiguous county) where the main office is located.
Membership information collected October 5, 2026.