Credit union · NCUA insured
Shore to Shore Community Federal Credit Union CD Rates
Shore to Shore Community Federal Credit Union’s best CD rate is 2.95% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Shore to Shore Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Shore to Shore Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Shore to Shore Community Federal Credit Union
2.85%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,509
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
Shore to Shore Community Federal Credit Union CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.30%
- 31–60 months31–60 mo2.85%
- QualifiedQualified2.85%
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 Shore to Shore Community 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 2.85%APY · 7 terms
Dividends paid out on maturity date. Early withdrawal penalty results in forfeiture of all dividends earned since last maturity date.
| Term | APY · $1,000 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsDividends paid out at maturity. Tier 1 on balances $1,000-$24,999 | 1.50% | — | — | 1.50% | $37 |
| 3 monthsDividends paid out at maturity. Tier 2 on balances $25,000-$99,999 | — | 1.55% | — | —1.55% $25k–$100k | — |
| 3 monthsDividends paid out at maturity. Tier 3 on balances $100,000+ | — | — | 1.60% | —1.60% from $100k | — |
| 6 monthsDividends paid out at maturity. Tier 1 on balances $1,000-$24,999 | 2.00% | — | — | 2.00% | $100 |
| 6 monthsDividends paid out at maturity. Tier 2 on balances $25,000-$99,999 | — | 2.05% | — | —2.05% $25k–$100k | — |
| 6 monthsDividends paid out at maturity. Tier 3 on balances $100,000+ | — | — | 2.10% | —2.10% from $100k | — |
| 12 monthsDividends paid out at maturity. Tier 1 on balances $1,000-$24,999 | 2.25% | — | — | 2.25% | $225 |
| 12 monthsDividends paid out at maturity. Tier 2 on balances $25,000-$99,999 | — | 2.30% | — | —2.30% $25k–$100k | — |
| 12 monthsDividends paid out at maturity. Tier 3 on balances $100,000+ | — | — | 2.35% | —2.35% from $100k | — |
| 24 monthsDividends paid out at maturity. Tier 1 on balances $1,000-$24,999 | 2.30% | — | — | 2.30% | $465 |
| 24 monthsDividends paid out at maturity. Tier 2 on balances $25,000-$99,999 | — | 2.35% | — | —2.35% $25k–$100k | — |
| 24 monthsDividends paid out at maturity. Tier 3 on balances $100,000+ | — | — | 2.40% | —2.40% from $100k | — |
| 36 monthsDividends paid out at maturity. Tier 1 on balances $1,000-$24,999 | 2.50% | — | — | 2.50% | $769 |
| 36 monthsDividends paid out at maturity. Tier 2 on balances $25,000-$99,999 | — | 2.55% | — | —2.55% $25k–$100k | — |
| 36 monthsDividends paid out at maturity. Tier 3 on balances $100,000+ | — | — | 2.60% | —2.60% from $100k | — |
| 48 monthsDividends paid out at maturity. Tier 1 on balances $1,000-$24,999 | 2.75% | — | — | 2.75% | $1,146 |
| 48 monthsDividends paid out at maturity. Tier 2 on balances $25,000-$99,999 | — | 2.80% | — | —2.80% $25k–$100k | — |
| 48 monthsDividends paid out at maturity. Tier 3 on balances $100,000+ | — | — | 2.85% | —2.85% from $100k | — |
| 60 monthsDividends paid out at maturity. Tier 1 on balances $1,000-$24,999 | 2.85% | — | — | 2.85% | $1,509 |
| 60 monthsDividends paid out at maturity. Tier 2 on balances $25,000-$99,999 | — | 2.90% | — | —2.90% $25k–$100k | — |
| 60 monthsDividends paid out at maturity. Tier 3 on balances $100,000+ | — | — | 2.95% | —2.95% from $100k | — |
Sources (2)
All captured Oct 5, 2026
Who can join Shore to Shore Community 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
- Membership is open to individuals who live, work, or worship in Allen Park, Brownstown, Ecorse, Flat Rock, Gibraltar, Grosse Ile, Lincoln Park, Melvindale, River Rouge, Riverview, Rockwood, Southgate, Trenton, Woodhaven, or Wyandotte.
Cost to join
- An initial share deposit of $5 is required to open an account, with $25 required to avoid under minimum balance fees.
Membership information collected October 5, 2026.