Credit union · NCUA insured
Midland Credit Union CD Rates
Top CarrotMidland Credit Union’s best CD rate is 4.10% APY on a 16-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Midland Credit Union’s CD rates compare
Compared with banks and credit unions near Des Moines, IA, where Midland Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Midland Credit Union
4.10%APY
- Term
- 16 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $550
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Union State Bank
4.61%APY
- Term
- 27 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $1,067
Midland Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo0.25%
- 9–15 months9–15 mo0.35%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo0.61%
- QualifiedQualified4.10%
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 Midland 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.
Share Certificates
Up to 4.10%APY · 7 terms
Rates are fixed for the term of the account and subject to change daily. Penalty for early withdrawal. Insured by NCUA up to $250,000.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends are compounded and paid last calendar day of month and on maturity | 0.25% | — | 0.25% | $12 |
| 12 monthsDividends are compounded and paid last calendar day of month and on maturity | 0.35% | — | 0.35% | $35 |
| 16 monthsRates, terms and accounts are for members only. Dividends are compounded and paid last calendar day of month and on maturity | — | 4.10% | 4.10% | $550 |
| 18 monthsDividends are compounded and paid last calendar day of month and on maturity | 0.41% | — | 0.41% | $62 |
| 24 monthsDividends are compounded and paid last calendar day of month and on maturity | 0.51% | — | 0.51% | $102 |
| 25 monthsRates, terms and accounts are for members only. Dividends are compounded and paid last calendar day of month and on maturity | — | 4.10% | 4.10% | $873 |
| 36 monthsDividends are compounded and paid last calendar day of month and on maturity | 0.61% | — | 0.61% | $184 |
Sources (1)
- midlandcu.org/deposit-rates · captured Sep 18, 2026
Who can join Midland Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.