Credit union · NCUA insured
One Detroit Credit Union CD Rates
One Detroit Credit Union’s best CD rate is 3.30% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How One Detroit Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where One Detroit Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
One Detroit Credit Union
3.30%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,763
Certificate of Deposit
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
One Detroit Credit Union CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo2.32%
- 9–15 months9–15 mo2.53%
- 16–30 months16–30 mo2.73%
- 31–60 months31–60 mo3.30%
- QualifiedQualified3.30%
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 One Detroit 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 of Deposit
Up to 3.30%APY · 8 terms
Active membership, minimum deposit of $500, and completed Share Certificate application required. 90 day interest penalty for early withdrawal. Jumbo rates (24 Month and over $10,000 earns 0.05% above regular rate; 24 Month and over $25,000 earns 0.10% above regular rate) do not apply to non-member deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest Paid: Maturity. 90 day interest penalty for early withdrawal | 1.00% | $25 |
| 6 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.32% | $115 |
| 12 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.53% | $253 |
| 18 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.68% | $405 |
| 24 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.73% | $553 |
| 36 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.89% | $892 |
| 48 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 3.14% | $1,316 |
| 60 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 3.30% | $1,763 |
Save to Win Certificate
0.15%APY
90 day interest penalty for early withdrawal from certificates or IRA certificates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest Paid: Quarterly. 90 day interest penalty for early withdrawal.Any balance | 0.15% | $15 | Interest Paid: Quarterly. 90 day interest penalty for early withdrawal. |
Sources (1)
- onedetroitcu.org/rates · captured Oct 5, 2026
Special-purpose accounts
Term IRA
Up to 3.30%APY · 8 terms
Available as Traditional, Roth, or Coverdell Educational IRA plans. 90 day interest penalty for early withdrawal from certificates or IRA certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest Paid: Maturity. 90 day interest penalty for early withdrawal | 1.00% | $25 |
| 6 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.32% | $115 |
| 12 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.53% | $253 |
| 18 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.68% | $405 |
| 24 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.73% | $553 |
| 36 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 2.89% | $892 |
| 48 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 3.14% | $1,316 |
| 60 monthsInterest Paid: Quarterly. 90 day interest penalty for early withdrawal | 3.30% | $1,763 |
Who can join One Detroit 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 volunteer in Wayne, Oakland, Macomb, or Washtenaw counties in Michigan.
Cost to join
- Membership requires opening a regular share savings account with a deposit of $10 or more, completing a membership form with signatures of all joint parties, and providing a valid driver's license or state ID card.
Membership information collected October 5, 2026.