Credit union · NCUA insured
OUR Credit Union CD Rates
OUR Credit Union’s best CD rate is 4.08% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 17, 2026.
How OUR Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where OUR Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OUR Credit Union
4.08%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $168
Share Certificates
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
OUR Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo4.08%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.26%
- 31–60 months31–60 mo1.76%
- QualifiedQualified4.08%
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 OUR 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 4.08%APY · 8 terms
Deposit of $500 or more; penalties for early withdrawal of funds apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months5 Month Term Share Special. $500 minimum deposit to earn dividends | 4.08% | $168 |
| 6 months6 Month Term Share Account. $500 minimum deposit to earn dividends | 0.75% | $37 |
| 12 months12 Month Term Share Account. $500 minimum deposit to earn dividends | 1.00% | $100 |
| 18 months18 Month Term Share Account. $500 minimum deposit to earn dividends | 1.10% | $165 |
| 24 months24 Month Term Share Account. $500 minimum deposit to earn dividends | 1.26% | $254 |
| 36 months36 Month Term Share Account. $500 minimum deposit to earn dividends | 1.36% | $414 |
| 48 months48 Month Term Share Account. $500 minimum deposit to earn dividends | 1.51% | $618 |
| 60 months60 Month Term Share Account. $500 minimum deposit to earn dividends | 1.76% | $912 |
Sources (2)
All captured Oct 17, 2026
Special-purpose accounts
Term Share IRAs
Up to 1.76%APY · 5 terms
$500 minimum deposit to earn dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year Fixed Rate Term. $500 minimum deposit to earn dividends | 1.00% | $100 |
| 24 monthsCoverdell Education 24 Month Term. $500 minimum deposit to earn dividends | 1.26% | $254 |
| 36 months3 Year Fixed Rate Term. $500 minimum deposit to earn dividends | 1.36% | $414 |
| 48 months4 Year Fixed Rate Term. $500 minimum deposit to earn dividends | 1.51% | $618 |
| 60 months5 Year Fixed Rate Term. $500 minimum deposit to earn dividends | 1.76% | $912 |
Sources (2)
All captured Oct 17, 2026
Who can join OUR Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Michigan is eligible to join.
Employers and groups
- Legal entities comprised mostly of the membership group are eligible.
Family and household
- Immediate family members of eligible individuals are eligible to join.
- Spouses of deceased members are eligible if accepted into membership prior to remarriage.
Other ways
- Persons receiving retirement payments who live in or belong to a retirement organization in the principal place of business county or contiguous county are eligible.
Cost to join
- Members are required to maintain a $5 share deposit in a Savings Account.
Membership information collected October 5, 2026.