Credit union · NCUA insured
orsa credit union CD Rates
Top Carrotorsa credit union’s best CD rate is 4.50% APY on a 17-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How orsa credit union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where orsa credit union has the most branches. $10,000, best rate first.
This credit union’s best
orsa credit union
4.50%APY
- Term
- 17 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $643
New Money 17-Month Share 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
orsa credit union CD score
87
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo2.29%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo1.10%
- QualifiedQualified4.50%
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 orsa 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.
New Money 17-Month Share Certificate
4.50%APY · 1 term
Offer applies to new money only — funds not on deposit at orsa within the 30 days prior to account opening. Available at orsa branches and through Care Center. Early withdrawal penalty of 180 days' dividends may be imposed. Wire transfer fees up to $50 waived.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 monthsNew money only (funds not on deposit at orsa within the 30 days prior to account opening). Early withdrawal penalty of 180 days' dividends. Wire transfer fees up to $50 waived | 4.50% | $643 |
Sources (1)
- orsacu.org/share-certificate · captured Oct 16, 2026
Special Share Certificate
4.00%APY · 1 term
Minimum to open: $100. Early withdrawal penalty applies. Wire transfer fees up to $50 waived. Stated rate accurate as of Oct 15, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months7-Month Special Certificate. Wire transfer fees up to $50 waived. Early withdrawal penalty applies | 4.00% | $231 |
9-Month MiBux Launch Pad Certificate
Up to 2.29%APY · 1 term
Start at 0.27% APY. Each month you make a qualifying deposit of any amount, rate increases by 0.25% bump (one bump per month) up to 2.29% APY. Opening partial month does not count toward rate bump. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsBase opening rate without deposit bumps | 0.27% | $20 |
| 9 monthsMaximum rate achieved by making a deposit of any amount each qualifying month (0.25% bump per qualifying monthly deposit) | 2.29% | $171 |
Sources (1)
- orsacu.org/share-certificate · captured Oct 16, 2026
Share Certificate
Up to 1.16%APY · 6 terms
Minimum to open: $100. APY depends on Member Reward Club status; stated APY assumes President's Club status. Early withdrawal penalty applies. Dividends calculated daily, compounded and paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAssumes President's Club status. 180-Day term | 1.05% | $52 |
| 12 monthsAssumes President's Club status. 1-Year term | 1.16% | $116 |
| 24 monthsAssumes President's Club status. 2-Year term. Dividend rate 1.15% (or 1.10% on table 1) | 1.15% | $231 |
| 36 monthsAssumes President's Club status. 3-Year term | 1.05% | $318 |
| 48 monthsAssumes President's Club status. 4-Year term | 1.05% | $427 |
| 60 monthsAssumes President's Club status. 5-Year term | 1.10% | $562 |
Special-purpose accounts
IRA Certificate
Up to 1.16%APY · 6 terms
Can be opened as a traditional, Roth, or educational IRA. Any share certificate from orsa credit union can be opened as an IRA certificate starting at $100. Bonus rates up to .20% on regular certificates. Minimum to open: $100. Early withdrawal penalty applies. APY depends on Member Reward Club status; stated APY assumes President's Club status.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAssumes President's Club status. 180-Day term | 1.05% | $52 |
| 12 monthsAssumes President's Club status. 1-Year term | 1.16% | $116 |
| 24 monthsAssumes President's Club status. 2-Year term. Dividend rate 1.15% (or 1.10% on table 1) | 1.15% | $231 |
| 36 monthsAssumes President's Club status. 3-Year term | 1.05% | $318 |
| 48 monthsAssumes President's Club status. 4-Year term | 1.05% | $427 |
| 60 monthsAssumes President's Club status. 5-Year term | 1.10% | $562 |
Sources (3)
All captured Oct 16, 2026
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