Credit union · NCUA insured
Settlers Federal Credit Union CD Rates
Top CarrotSettlers Federal Credit Union’s best CD rate is 3.55% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Settlers Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Michigan, where Settlers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Settlers Federal Credit Union
3.55%APY
- Term
- 36 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,103
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
Settlers Federal Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
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 Settlers 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 3.55%APY · 5 terms
Fees could reduce the earnings on an account
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFees could reduce the earnings on an account | 2.27% | $113 |
| 12 monthsFees could reduce the earnings on an account | 2.78% | $278 |
| 18 monthsFees could reduce the earnings on an account | 2.88% | $435 |
| 24 monthsFees could reduce the earnings on an account | 3.04% | $617 |
| 36 monthsFees could reduce the earnings on an account | 3.55% | $1,103 |
Sources (2)
All captured Oct 5, 2026
Who can join Settlers 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This may be incomplete or out of date, so check with the credit union before you apply.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
- People who live, work, worship, or attend school in Ontonagon or Gogebic Counties, as well as businesses and other legal entities located there, are eligible for membership.
Membership information collected October 5, 2026.