Michigan First Credit Union CD Rates

How Michigan First Credit Union’s CD rates compare

Compared with banks and credit unions near Detroit, MI, where Michigan First Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Michigan First Credit Union
4.18%APY
Term
16 months
Requires
None
Minimum
$1,000
Earns on $10,000
$561
16 Month Certificate Account
Top rate
FreeStar Financial Credit Union
5.25%APY
Term
18 months
Requires
Another account
Minimum
$500
Earns on $10,000
$798
FreeStar Financial Credit Union rates
2nd-highest rate
Diversified Members Credit Union
5.15%APY
Term
12 months
Requires
None
Minimum
$5,000
Earns on $10,000
$515
Diversified Members Credit Union rates

Compare CD rates near you →

CD score

Higher than 73% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.30%
9–15 months9–15 mo3.51%
16–30 months16–30 mo4.18%
31–60 months31–60 mo3.56%
QualifiedQualified4.18%

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.

How the score works →

Where Michigan First Credit Union ranks

By CD score, in each area where it has branches

And 1 more area →

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

16 Month Certificate Account

4.18%APY · 1 termFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
16 monthsBalance $1,000+ required	4.18%	$561

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

24 Month Certificate Account

3.40%APY · 1 termFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
24 monthsBalance $1,000 to $9,999 required	1.26%	—	—	—	—	—1.26% $1k–$10k	—
24 monthsBalance $10,000 to $49,999 required	—	3.40%	—	—	—	3.40%	$692
24 monthsBalance $100,000 to $499,999 required	—	—	—	3.61%	—	—3.61% $100k–$500k	—
24 monthsBalance $50,000 to $99,999 required	—	—	3.40%	—	—	—3.40% $50k–$100k	—
24 monthsBalance $500,000 and up required	—	—	—	—	3.82%	—3.82% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

12 Month Certificate Account

3.51%APY · 1 termFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
12 monthsBalance $1,000 to $9,999 required	0.90%	—	—	—	—	—0.90% $1k–$10k	—
12 monthsBalance $10,000 to $49,999 required	—	3.51%	—	—	—	3.51%	$351
12 monthsBalance $100,000 to $499,999 required	—	—	—	3.61%	—	—3.61% $100k–$500k	—
12 monthsBalance $50,000 to $99,999 required	—	—	3.51%	—	—	—3.51% $50k–$100k	—
12 monthsBalance $500,000 and up required	—	—	—	—	3.71%	—3.71% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

60 Month Certificate Account

3.56%APY · 1 termFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
60 monthsBalance $1,000 to $9,999 required	1.00%	—	—	—	—	—1.00% $1k–$10k	—
60 monthsBalance $10,000 to $49,999 required	—	3.56%	—	—	—	3.56%	$1,911
60 monthsBalance $100,000 to $499,999 required	—	—	—	3.66%	—	—3.66% $100k–$500k	—
60 monthsBalance $50,000 to $99,999 required	—	—	3.61%	—	—	—3.61% $50k–$100k	—
60 monthsBalance $500,000 and up required	—	—	—	—	3.71%	—3.71% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

48 Month Certificate Account

3.35%APY · 1 termFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
48 monthsBalance $1,000 to $9,999 required	0.95%	—	—	—	—	—0.95% $1k–$10k	—
48 monthsBalance $10,000 to $49,999 required	—	3.35%	—	—	—	3.35%	$1,409
48 monthsBalance $100,000 to $499,999 required	—	—	—	3.56%	—	—3.56% $100k–$500k	—
48 monthsBalance $50,000 to $99,999 required	—	—	3.45%	—	—	—3.45% $50k–$100k	—
48 monthsBalance $500,000 and up required	—	—	—	—	3.66%	—3.66% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

36 Month Certificate Account

3.30%APY · 1 termFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
36 monthsBalance $1,000 to $9,999 required	0.90%	—	—	—	—	—0.90% $1k–$10k	—
36 monthsBalance $10,000 to $49,999 required	—	3.30%	—	—	—	3.30%	$1,023
36 monthsBalance $100,000 to $499,999 required	—	—	—	3.56%	—	—3.56% $100k–$500k	—
36 monthsBalance $50,000 to $99,999 required	—	—	3.35%	—	—	—3.35% $50k–$100k	—
36 monthsBalance $500,000 and up required	—	—	—	—	3.56%	—3.56% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

6 Month Certificate Account

3.30%APY · 1 termFrom $1,000 to open

Minimum opening deposit $1,000. Balance tiers required to earn stated APY.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
6 monthsBalance $1,000 to $9,999 required	0.80%	—	—	—	—	—0.80% $1k–$10k	—
6 monthsBalance $10,000 to $49,999 required	—	3.30%	—	—	—	3.30%	$164
6 monthsBalance $100,000 to $499,999 required	—	—	—	3.40%	—	—3.40% $100k–$500k	—
6 monthsBalance $50,000 to $99,999 required	—	—	3.30%	—	—	—3.30% $50k–$100k	—
6 monthsBalance $500,000 or more required	—	—	—	—	3.56%	—3.56% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

Special-purpose accounts

60 Month IRA Certificate

3.35%APY · 1 termIRAFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
60 monthsBalance $1,000 to $9,999 required	1.76%	—	—	—	—	—1.76% $1k–$10k	—
60 monthsBalance $10,000 to $49,999 required	—	3.35%	—	—	—	3.35%	$1,791
60 monthsBalance $100,000 to $499,999 required	—	—	—	3.56%	—	—3.56% $100k–$500k	—
60 monthsBalance $50,000 to $99,999 required	—	—	3.45%	—	—	—3.45% $50k–$100k	—
60 monthsBalance $500,000 and up required	—	—	—	—	3.71%	—3.71% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

12 Month IRA Certificate

3.20%APY · 1 termIRAFrom $1,000 to open

Minimum opening deposit $1,000. Balance tiers required to earn stated APY. Subject to IRA contribution limits and rules.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
12 monthsBalance $1,000 to $9,999 required	2.02%	—	—	—	—	—2.02% $1k–$10k	—
12 monthsBalance $10,000 to $49,999 required	—	3.20%	—	—	—	3.20%	$320
12 monthsBalance $100,000 to $499,999 required	—	—	—	3.40%	—	—3.40% $100k–$500k	—
12 monthsBalance $50,000 to $99,999 required	—	—	3.30%	—	—	—3.30% $50k–$100k	—
12 monthsBalance $500,000 or more required	—	—	—	—	3.61%	—3.61% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

24 Month IRA Certificate

2.99%APY · 1 termIRAFrom $1,000 to open

Minimum opening deposit $1,000. Balance tiers required to earn stated APY. Subject to IRA contribution limits and rules.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
24 monthsBalance $1,000 to $9,999 required	1.51%	—	—	—	—	—1.51% $1k–$10k	—
24 monthsBalance $10,000 to $49,999 required	—	2.99%	—	—	—	2.99%	$607
24 monthsBalance $100,000 to $499,999 required	—	—	—	3.20%	—	—3.20% $100k–$500k	—
24 monthsBalance $50,000 to $99,999 required	—	—	3.09%	—	—	—3.09% $50k–$100k	—
24 monthsBalance $500,000 or more required	—	—	—	—	3.51%	—3.51% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

36 Month IRA Certificate

2.89%APY · 1 termIRAFrom $1,000 to open

Minimum opening deposit $1,000. Balance tiers required to earn stated APY. Subject to IRA contribution limits and rules.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
36 monthsBalance $1,000 to $9,999 required	1.61%	—	—	—	—	—1.61% $1k–$10k	—
36 monthsBalance $10,000 to $49,999 required	—	2.89%	—	—	—	2.89%	$892
36 monthsBalance $100,000 to $499,999 required	—	—	—	3.09%	—	—3.09% $100k–$500k	—
36 monthsBalance $50,000 to $99,999 required	—	—	2.99%	—	—	—2.99% $50k–$100k	—
36 monthsBalance $500,000 or more required	—	—	—	—	3.25%	—3.25% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

48 Month IRA Certificate

2.89%APY · 1 termIRAFrom $1,000 to open

Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY · $1,000 – $9,999	APY · $10,000 – $49,999	APY · $50,000 – $99,999	APY · $100,000 – $499,999	APY · $500,000 and up	APY	Earns on $10,000Earns
48 monthsBalance $1,000 to $9,999 required	1.66%	—	—	—	—	—1.66% $1k–$10k	—
48 monthsBalance $10,000 to $49,999 required	—	2.89%	—	—	—	2.89%	$1,207
48 monthsBalance $100,000 to $499,999 required	—	—	—	3.09%	—	—3.09% $100k–$500k	—
48 monthsBalance $50,000 to $99,999 required	—	—	2.99%	—	—	—2.99% $50k–$100k	—
48 monthsBalance $500,000 and up required	—	—	—	—	3.25%	—3.25% from $500k	—

Sources (1)

michiganfirst.com/About/Member…es/Deposit-Account-Rates · captured Oct 5, 2026

Who can join Michigan First Credit Union

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How Michigan First Credit Union’s CD rates compare

Michigan First Credit Union CD score

Current CD rates

16 Month Certificate Account

24 Month Certificate Account

12 Month Certificate Account

60 Month Certificate Account

48 Month Certificate Account

36 Month Certificate Account

6 Month Certificate Account

Special-purpose accounts

60 Month IRA Certificate

12 Month IRA Certificate

24 Month IRA Certificate

36 Month IRA Certificate

48 Month IRA Certificate

Who can join Michigan First Credit Union