Credit union · NCUA insured
Muskegon Federal Credit Union CD Rates
Top CarrotMuskegon Federal Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Muskegon Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where Muskegon Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Muskegon Federal Credit Union
4.06%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $406
Share Certificates
Top rate
Michigan Coastal Credit Union
4.30%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $467
2nd-highest rate
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
Muskegon Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.06%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.06%
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 Muskegon Federal 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 4.06%APY · 6 terms
Rates are subject to change at any time, by direction of Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.03% | $150 |
| 12 months | 4.06% | $406 |
| 24 months | 4.06% | $828 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.70% | $1,992 |
Sources (1)
- muskfedcu.com/accounts/share-certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.06%APY · 6 terms
Once IRA is open, can transfer IRA funds into IRA Share Certificates. Rates are subject to change at any time, by direction of Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.03% | $150 |
| 12 months | 4.06% | $406 |
| 24 months | 4.06% | $828 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.55% | $1,497 |
| 60 months | 3.70% | $1,992 |
Sources (2)
All captured Oct 5, 2026
Youth Share Certificate
4.06%APY · 1 term
Available to members 18 years old and younger. Able to add funds to the Share Certificate during its term. Variable rate certificate. Early withdrawal charge may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable rate certificate. Available to members 0-18 years old. Add funds during term | 4.06% | $406 |
Sources (1)
- muskfedcu.com/accounts/share-certificates · captured Oct 5, 2026
Who can join Muskegon Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Muskegon County.
Family and household
- Eligibility is open to individuals who have an immediate family member (spouse, child, sibling, parent, grandchild, grandparents, including step or adopted children) currently a member.
Cost to join
- A membership fee is required to join, with details referenced via an external link.
- A $5 deposit establishes and maintains membership.
Membership information collected October 5, 2026.