Credit union · NCUA insured
Monroe Community Credit Union CD Rates
Monroe Community Credit Union’s best CD rate is 3.75% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Monroe Community Credit Union’s CD rates compare
Compared with banks and credit unions near Monroe, MI, where Monroe Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Monroe Community Credit Union
3.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $764
Share Certificate of Deposit (CD)
Top rate
TLC Community Credit Union
4.47%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $2,444
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $430
Monroe Community Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo2.53%
- QualifiedQualified3.75%
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 Monroe 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.
Share Certificate of Deposit (CD)
Up to 3.75%APY · 6 terms
Flexible terms from 3 - 60 months. Dividends earned monthly. Early withdrawals carry a penalty. No annual fees. Federally insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty may apply | 3.00% | $149 |
| 12 monthsEarly withdrawal penalty may apply | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty may apply | 3.75% | $764 |
| 36 monthsEarly withdrawal penalty may apply | 2.02% | $618 |
| 48 monthsEarly withdrawal penalty may apply | 2.27% | $939 |
| 60 monthsEarly withdrawal penalty may apply | 2.53% | $1,331 |
Sources (1)
- monroecommunitycu.org/certificates · captured Oct 5, 2026
Special-purpose accounts
Youth CD
4.00%APY · 3 terms
Available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Allows continuously adding funds over the term. No annual fees. Terms from 12 - 36 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Continuously add funds over the term | 4.00% | $400 |
| 24 monthsAvailable for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Continuously add funds over the term | 4.00% | $816 |
| 36 monthsAvailable for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Continuously add funds over the term | 4.00% | $1,249 |
Sources (1)
- monroecommunitycu.org/certificates · captured Oct 5, 2026
IRA CD
Up to 3.75%APY · 6 terms
No annual maintenance fee. Terms available from 6-60 months. Ability to transfer funds from other plans. Early withdrawals subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty may apply | 3.00% | $149 |
| 12 monthsEarly withdrawal penalty may apply | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty may apply | 3.75% | $764 |
| 36 monthsEarly withdrawal penalty may apply | 2.02% | $618 |
| 48 monthsEarly withdrawal penalty may apply | 2.27% | $939 |
| 60 monthsEarly withdrawal penalty may apply | 2.53% | $1,331 |
Who can join Monroe 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 individuals who live, work, worship, or attend school in the State of Michigan and the Ohio counties of Fulton, Lucas, and Wood.
Family and household
- Membership is open to immediate relations of a current member or individuals living in the same household as a current member.
Cost to join
- An initial deposit of $5 is required to join the cooperative.
Membership information collected October 5, 2026.