Credit union · NCUA insured
Parda Credit Union CD Rates
Parda Credit Union’s best CD rate is 3.80% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Parda Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Parda Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Parda Credit Union
3.80%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $413
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
Parda Credit Union CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo1.40%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo2.52%
- 31–60 months31–60 mo2.02%
- QualifiedQualified3.80%
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 Parda 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 3.80%APY · 9 terms
Membership required. Account qualifications apply. Early withdrawal penalty applies. Maximum amount for the Share Certificate Special per member is $100,000. 91-Day, 12-Month Jumbo, and 13-Month Special Certificates are not available as an IRA certificate.
| Term | APY · Up to $100,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Days term. Dividend paid at maturity. Not available as an IRA certificate | — | 1.31% | 1.31% | $32 |
| 6 monthsDividend paid at maturity | — | 1.40% | 1.40% | $70 |
| 12 monthsDividend paid quarterly | — | 1.61% | 1.61% | $161 |
| 13 months13-Month Special. Dividend paid quarterly. Maximum amount per member is $100,000. Not available as an IRA certificate | 3.80% | — | 3.80% | $413 |
| 18 monthsDividend paid quarterly | — | 2.52% | 2.52% | $381 |
| 24 monthsDividend paid quarterly | — | 1.76% | 1.76% | $355 |
| 36 monthsDividend paid quarterly | — | 1.81% | 1.81% | $554 |
| 48 monthsDividend paid quarterly | — | 1.86% | 1.86% | $766 |
| 60 monthsDividend paid quarterly | — | 2.02% | 2.02% | $1,049 |
Jumbo Certificates
1.66%APY · 1 term
12-month term. No restriction on source of deposit funds. Not available as an IRA certificate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividend paid quarterly. Not available as an IRA certificate | 1.66% | $166 |
Special-purpose accounts
Senior Plus Certificates
Up to 3.85%APY · 7 terms
Available only to members age 60+. Not available as an IRA certificate. Early withdrawal penalty applies. Maximum amount for the Share Certificate Special per member is $100,000.
| Term | APY · Up to $100,000 | APY · Any balance | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsAvailable to members age 60+. Dividend paid quarterly. Not available as an IRA certificate | — | 1.66% | 1.66% | $166 |
| 13 months13-Month Special. Available to members age 60+. Dividend paid quarterly. Maximum amount per member is $100,000. Not available as an IRA certificate | 3.85% | — | 3.85% | $418 |
| 18 monthsAvailable to members age 60+. Dividend paid quarterly. Not available as an IRA certificate | — | 2.57% | 2.57% | $389 |
| 24 monthsAvailable to members age 60+. Dividend paid quarterly. Not available as an IRA certificate | — | 1.81% | 1.81% | $366 |
| 36 monthsAvailable to members age 60+. Dividend paid quarterly. Not available as an IRA certificate | — | 1.86% | 1.86% | $569 |
| 48 monthsAvailable to members age 60+. Dividend paid quarterly. Not available as an IRA certificate | — | 1.91% | 1.91% | $787 |
| 60 monthsAvailable to members age 60+. Dividend paid quarterly. Not available as an IRA certificate | — | 2.07% | 2.07% | $1,076 |
IRA Certificates
Up to 2.52%APY · 7 terms
Traditional and Roth IRA Certificates available in terms of 6-60 months. Membership required. Early withdrawal penalty applies. IRAs are subject to limitations and/or penalties imposed by the IRS. 91-Day, 12-Month Jumbo, and 13-Month Special Certificates are not available as an IRA certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTraditional or Roth IRA Certificate. Dividend paid at maturity | 1.40% | $70 |
| 12 monthsTraditional or Roth IRA Certificate. Dividend paid quarterly | 1.61% | $161 |
| 18 monthsTraditional or Roth IRA Certificate. Dividend paid quarterly | 2.52% | $381 |
| 24 monthsTraditional or Roth IRA Certificate. Dividend paid quarterly | 1.76% | $355 |
| 36 monthsTraditional or Roth IRA Certificate. Dividend paid quarterly | 1.81% | $554 |
| 48 monthsTraditional or Roth IRA Certificate. Dividend paid quarterly | 1.86% | $766 |
| 60 monthsTraditional or Roth IRA Certificate. Dividend paid quarterly | 2.02% | $1,049 |
Sources (3)
All captured Oct 5, 2026
Who can join Parda Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to any employee or retiree of an approved Select Employee Group (SEG).
Family and household
- Membership is open to family members of an employee or retiree of an approved Select Employee Group (SEG), including mother, father, sisters, brothers, children, grandchildren, grandparents, adoptive, and step families.
Other ways
- Consumers not otherwise eligible may join Parda Credit Union through the American Consumer Council (ACC) at no cost, subject to residency restrictions.
Cost to join
- There is no cost to join the American Consumer Council (ACC) for membership.
Membership information collected October 5, 2026.