Credit union · NCUA insured
People Driven Credit Union CD Rates
Top CarrotPeople Driven Credit Union’s best CD rate is 4.55% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How People Driven Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where People Driven Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
People Driven Credit Union
4.55%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $339
CD Special
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
People Driven Credit Union CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo2.65%
- 9–15 months9–15 mo4.55%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.55%
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 People Driven 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.
CD Special
Up to 4.55%APY · 2 terms
Early withdrawals and applicable fees may reduce earnings. Loss of 90 days' interest for terms 12 months or less, 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.55% | $339 |
| 16 months | 4.15% | $557 |
Sources (1)
- peopledrivencu.org/about/rates · captured Oct 16, 2026
SuperJumbo Certificate of Deposit
2.85%APY · 1 term
Minimum opening deposit of $100,000. Early withdrawal penalty applies (loss of 90 days' interest for terms of 12 months or less). Membership and eligibility requirements apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.85% | — |
Sources (1)
- peopledrivencu.org/about/rates · captured Oct 16, 2026
Jumbo Certificate of Deposit
Up to 2.80%APY · 6 terms
Minimum opening deposit of $25,000. Dividends paid quarterly. Early withdrawal penalties apply: loss of 90 days' interest for terms 12 months or less; loss of 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.70% | — |
| 12 months | 2.80% | — |
| 24 months | 2.30% | — |
| 36 months | 2.30% | — |
| 48 months | 2.55% | — |
| 60 months | 2.55% | — |
Sources (1)
- peopledrivencu.org/about/rates · captured Oct 16, 2026
Standard Certificate of Deposit
Up to 2.75%APY · 6 terms
Dividends are compounded and paid quarterly on standard certificates. Early withdrawal penalties apply: loss of 90 days' interest for terms 12 months or less; loss of 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.65% | $132 |
| 12 months | 2.75% | $275 |
| 24 months | 2.25% | $455 |
| 36 months | 2.25% | $690 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- peopledrivencu.org/about/rates · captured Oct 16, 2026
Save to Win CD
2.70%APY · 1 term
Available to members at least 18 years old residing in states where prize-linked savings is permitted. Each $25 qualifying deposit increase earns one entry into monthly, quarterly, and annual prize drawings (max 100 entries/month, 300/quarter, 1,200/year). Early withdrawal penalty: $25.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.70% | $270 |
Sources (1)
- peopledrivencu.org/about/rates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.55%APY · 8 terms
Available as Traditional, Roth, or Educational IRA Certificates. No setup, administrative, monthly, or annual maintenance fees. Annual IRA contribution limits and tax rules apply. Early withdrawal penalties apply to certificates in addition to IRS early withdrawal rules. All regular certificate options are available as IRA certificates except the 1-Year Save to Win CD.
| Term | APY · Up to $10,000 | APY · $500 and up | APY · $10,001 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 months | — | 2.65% | — | — | — | 2.65% | $132 |
| 6 months6-month Jumbo term. $25,000 minimum balance | — | — | — | 2.70% | — | —2.70% from $25k | — |
| 9 months | — | 4.55% | — | — | — | 4.55% | $339 |
| 12 months | — | 2.75% | — | — | — | 2.75% | $275 |
| 12 months1-year Jumbo term. $25,000 minimum balance | — | — | — | 2.80% | — | —2.80% from $25k | — |
| 12 months1-year SuperJumbo term. $100,000 minimum balance | — | — | — | — | 2.85% | —2.85% from $100k | — |
| 12 months1-year Youth IRA term (first $10,000 of balance) | 4.50% | — | — | — | — | 4.50% | $450 |
| 12 months1-year Youth IRA term (portion of balance over $10,000) | — | — | 2.75% | — | — | —2.75% from $10k | — |
| 16 months | — | 4.15% | — | — | — | 4.15% | $557 |
| 24 months | — | 2.25% | — | — | — | 2.25% | $455 |
| 24 months2-year Jumbo term. $25,000 minimum balance | — | — | — | 2.30% | — | —2.30% from $25k | — |
| 36 months3-year Jumbo term. $25,000 minimum balance | — | — | — | 2.30% | — | —2.30% from $25k | — |
| 36 months3-year standard term. Early withdrawal penalty: loss of 180 days' interest | — | 2.25% | — | — | — | 2.25% | $690 |
| 48 months4-year Jumbo term. $25,000 minimum balance | — | — | — | 2.55% | — | —2.55% from $25k | — |
| 48 months4-year standard term. Early withdrawal penalty: loss of 180 days' interest | — | 2.50% | — | — | — | 2.50% | $1,038 |
| 60 months5-year Jumbo term. $25,000 minimum balance | — | — | — | 2.55% | — | —2.55% from $25k | — |
| 60 months5-year standard term. Early withdrawal penalty: loss of 180 days' interest | — | 2.50% | — | — | — | 2.50% | $1,314 |
Sources (2)
All captured Oct 16, 2026
Youth Certificate of Deposit
4.50%APY · 1 term
Available to members under 18 years old jointly held with a parent, guardian, or custodian. Add-on deposits permitted anytime until maturity. Early withdrawal penalty: loss of 90 days' interest.
| Term | APY · Up to $10,000 | APY · $10,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months1-year term for first $10,000 of balance | 4.50% | — | 4.50% | $450 |
| 12 months1-year term for portion of balance over $10,000 | — | 2.75% | —2.75% from $10k | — |
Sources (1)
- peopledrivencu.org/about/rates · captured Oct 16, 2026
Who can join People Driven Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.