Credit union · NCUA insured
Michigan One Community Credit Union CD Rates
Michigan One Community Credit Union’s best CD rate is 4.05% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Michigan One Community Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Michigan One Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Michigan One Community Credit Union
4.05%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,196
Regular CDs
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
Michigan One Community Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo4.05%
- QualifiedQualified4.05%
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 One 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.
Regular CDs
Up to 4.05%APY · 6 terms
Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.85% | $385 |
| 24 months | 3.90% | $795 |
| 36 months | 3.95% | $1,232 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.05% | $2,196 |
Special-purpose accounts
Minor CD Special
5.12%APY · 1 term
Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsDeposit limit: $100 Min/$5000 Max | 5.12% | — |
Sources (1)
- m1ccu.org/current-rates · captured Oct 16, 2026
IRA Certificate of Deposit
Up to 4.05%APY · 6 terms
Dividends are paid on daily balance and the dividend period is monthly. Fees may lower earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 3.85% | $385 |
| 24 months | 3.90% | $795 |
| 36 months | 3.95% | $1,232 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.05% | $2,196 |
Who can join Michigan One 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
- Membership is open to all persons who live, work, worship, or attend school anywhere in the state of Michigan.
Membership information collected October 5, 2026.