Credit union · NCUA insured
Peninsula Federal Credit Union CD Rates
Top CarrotPeninsula Federal Credit Union’s best CD rate is 4.30% APY on a 15-month share certificate (CD). Terms run from 4 months to 5 years. Rates checked October 16, 2026.
How Peninsula Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Escanaba, MI, where Peninsula Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peninsula Federal Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
Peninsula Federal Credit Union CD score
94
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 Peninsula 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 4.30%APY · 10 terms
Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 3.90% | $128 |
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 15 months | 4.30% | $540 |
| 18 months | 4.10% | $621 |
| 24 months | 4.10% | $837 |
| 30 months | 4.10% | $1,057 |
| 36 months | 4.30% | $1,346 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.15% | $2,255 |
Sources (2)
All captured Sep 18, 2026
Jump Rate Certificates
Up to 4.05%APY · 7 terms
Allows opting into a new rate once per certificate term through online banking, mobile app, or by contacting the Credit Union if rates increase within the certificate's term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.85% | $385 |
| 18 months | 3.85% | $583 |
| 24 months | 3.85% | $785 |
| 30 months | 3.85% | $990 |
| 36 months | 4.05% | $1,265 |
| 48 months | 3.90% | $1,654 |
| 60 months | 3.90% | $2,108 |
Sources (2)
All captured Sep 18, 2026
Save to Win Certificate
2.00%APY · 1 term
Provides chances to win monthly drawings and cash prizes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | $200 |
Sources (3)
- peninsulafcu.com/save-to-win
- peninsulafcu.com/savings
- peninsulafcu.com/savings-check…vings-and-checking-rates
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 4.30%APY · 10 terms
Individual accounts only. A penalty will or may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 3.90% | $128 |
| 6 months | 4.00% | $198 |
| 12 months | 4.10% | $410 |
| 15 months | 4.30% | $540 |
| 18 months | 4.10% | $621 |
| 24 months | 4.10% | $837 |
| 30 months | 4.10% | $1,057 |
| 36 months | 4.30% | $1,346 |
| 48 months | 4.15% | $1,766 |
| 60 months | 4.15% | $2,255 |
Sources (2)
All captured Sep 18, 2026
Youth Certificates
Up to 4.00%APY · 2 terms
Youth certificate for kids. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 monthsAllows opting into a new rate once per term if rates increase | 3.85% | $385 |
Sources (2)
All captured Sep 18, 2026
Youth Save to Win Certificate
2.00%APY · 1 term
A parent or guardian must be a joint owner on the account. Every $10 saved earns a chance to win monthly drawings and quarterly prizes up to $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.00% | $200 |
Sources (2)
All captured Sep 18, 2026
Who can join Peninsula 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
- Persons who live, work, worship, or attend school in, or businesses and other legal entities located in Alger, Baraga, Chippewa, Delta, Dickinson, Gogebic, Houghton, Iron, Keweenaw, Luce, Mackinac, Marquette, Menominee, Ontonagon, or Schoolcraft Counties, Michigan; Ashland, Florence, Forest, Iron, Marinette, Oconto, or Vilas Counties, Wisconsin are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
Family and household
- Members of the immediate family or household are eligible for membership.
Other ways
- Members of record of this credit union as of July 5, 2000, date of conversion to a community field of membership, are eligible.
- Organizations of such eligible persons are eligible for membership.
- Members of record of the River Bay Credit Union as of the effective date of merger are eligible.
3 more ways to join
Other ways
- Spouses of persons who died while within the field of membership of this credit union are eligible.
- Members of record of the Torch Lake Federal Credit Union as of the effective date of merger are eligible.
- Volunteers in the community are eligible for membership.
Cost to join
- Basic membership requirement is to start an account with $5.00, which must remain in the account for as long as you are a member.
Membership information collected October 5, 2026.