Credit union · NCUA insured
Michigan United Credit Union CD Rates
Top CarrotMichigan United Credit Union’s best CD rate is 3.91% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Michigan United Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Michigan United Credit Union
3.91%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $592
Certificate
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Michigan United Credit Union CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.34%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.91%
- 31–60 months31–60 mo3.44%
- QualifiedQualified3.91%
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 United 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.
Certificate
Up to 3.91%APY · 7 terms
APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, APY will not apply and only the stated interest rate applies. Early withdrawals are subject to a penalty equal to 90 days' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.29% | $163 |
| 12 months | 3.80% | $380 |
| 18 months | 3.85% | $583 |
| 24 months | 3.55% | $723 |
| 36 months | 3.39% | $1,052 |
| 48 months | 3.29% | $1,382 |
| 60 months | 3.19% | $1,700 |
Special-purpose accounts
IRA Certificate
Up to 3.91%APY · 7 terms
APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, APY will not apply and only the stated interest rate applies. Early withdrawals are subject to a penalty equal to 90 days' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.29% | $163 |
| 12 months | 3.80% | $380 |
| 18 months | 3.85% | $583 |
| 24 months | 3.55% | $723 |
| 36 months | 3.39% | $1,052 |
| 48 months | 3.29% | $1,382 |
| 60 months | 3.19% | $1,700 |
Who can join Michigan United 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 reside, work, worship, or attend school in the state of Michigan are eligible for membership.
Cost to join
- A minimum cash deposit and balance of $5 in a share savings account is required to join and maintain member benefits.
Membership information collected October 5, 2026.