Credit union · NCUA insured
Route 31 CD Rates
Top CarrotRoute 31’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Route 31’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where Route 31 has the most branches. $10,000, best rate first.
This credit union’s best
Route 31
4.25%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $425
Certificate of Deposit
Top rate
Michigan Coastal Credit Union
4.30%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $467
2nd-highest rate
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $917
Route 31 CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.25%
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 Route 31 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.
Certificate of Deposit
Up to 4.25%APY · 9 terms
Minimum $500 balance to earn dividend. Penalty for early withdrawal. Members can add money to any CD at any time, except restricted on some CD specials.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 1.95% | $48 |
| 3 monthsStandard rate | 1.70% | $42 |
| 6 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.55% | $176 |
| 6 monthsStandard rate | 3.30% | $164 |
| 9 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.95% | $295 |
| 9 monthsStandard rate | 3.70% | $276 |
| 12 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 4.25% | $425 |
| 12 monthsStandard rate | 4.00% | $400 |
| 18 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 4.10% | $621 |
| 18 monthsStandard rate | 3.85% | $583 |
| 24 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.80% | $774 |
| 24 monthsStandard rate | 3.55% | $723 |
| 36 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.80% | $1,184 |
| 36 monthsStandard rate | 3.55% | $1,103 |
| 48 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.75% | $1,587 |
| 48 monthsStandard rate | 3.50% | $1,475 |
| 60 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.75% | $2,021 |
| 60 monthsStandard rate | 3.50% | $1,877 |
Save to Win Certificate
Up to 4.25%APY · 1 term
Minimum $500 balance to earn dividend does not apply. Keep making deposits during the 12 months; each $25 is an entry into prize drawings (up to 100 entries/month). Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 4.25% | $425 |
| 12 monthsStandard rate | 4.00% | $400 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA/HSA Certificate of Deposit
Up to 4.25%APY · 9 terms
Minimum $500 balance to earn dividend. Penalty for early withdrawal. Available as Traditional IRA (contributions may be tax deductible, tax-deferred earnings) or Roth IRA (distributions may be tax-free) or HSA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 1.95% | $48 |
| 3 monthsStandard rate | 1.70% | $42 |
| 6 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.55% | $176 |
| 6 monthsStandard rate | 3.30% | $164 |
| 9 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.95% | $295 |
| 9 monthsStandard rate | 3.70% | $276 |
| 12 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 4.25% | $425 |
| 12 monthsStandard rate | 4.00% | $400 |
| 18 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 4.10% | $621 |
| 18 monthsStandard rate | 3.85% | $583 |
| 24 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.80% | $774 |
| 24 monthsStandard rate | 3.55% | $723 |
| 36 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.80% | $1,184 |
| 36 monthsStandard rate | 3.55% | $1,103 |
| 48 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.75% | $1,587 |
| 48 monthsStandard rate | 3.50% | $1,475 |
| 60 months0.25% APY bonus for Members with the Extra Mile Checking or Express Debit account and $600 or more in direct deposit | 3.75% | $2,021 |
| 60 monthsStandard rate | 3.50% | $1,877 |
Who can join Route 31
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, worship, work in, or attend school in any of 17 Michigan counties: Muskegon, Ottawa, Oceana, Newaygo, Antrim, Benzie, Gratiot, Kalkaska, Lake, Leelanau, Manistee, Mason, Mecosta, Missaukee, Montcalm, Osceola, or Wexford.
Employers and groups
- Membership is open to employees of Route 31 Credit Union.
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, grandchild, great grandparent, aunt, uncle, niece, nephew, including step and adoptive relationships) or household members of a current member.
- Membership is open to surviving spouses of persons who died within the field of membership of the credit union.
Other ways
- Membership is open to businesses or legal entities located in the rural district of any of the 17 specified Michigan counties.
- Membership is open to individuals who volunteer in any of the 17 specified Michigan counties.
Cost to join
- A $5 deposit is required to activate the account when opening a new membership.
- A one-time $1 membership fee is required when opening a new membership.
Membership information collected October 5, 2026.