Credit union · NCUA insured
Soo Co-Op CU CD Rates
Top CarrotSoo Co-Op CU’s best CD rate is 3.65% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Soo Co-Op CU’s CD rates compare
Compared with banks and credit unions near Sault Ste. Marie, MI, where Soo Co-Op CU has the most branches. $10,000, best rate first.
This credit union’s best
Soo Co-Op CU
3.65%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $743
Term Certificates Compounding
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
Huntington Bank
4.10%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $169
Soo Co-Op CU CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.65%
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 Soo Co-Op CU 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.
Term Certificates Compounding
Up to 3.65%APY · 6 terms
Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings.
| Term | APY · $100 and up | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months91 Day term. Compounding | — | — | 3.00% | 3.00% | $74 |
| 6 months183 Day term. Compounding | — | — | 3.25% | 3.25% | $161 |
| 12 months12 Month term. Compounding | — | 3.55% | — | 3.55% | $355 |
| 24 months24 Month term. Compounding | 3.65% | — | — | 3.65% | $743 |
| 36 months36 Month term. Compounding | 3.25% | — | — | 3.25% | $1,007 |
| 60 months60 Month term. Compounding | 3.50% | — | — | 3.50% | $1,877 |
Sources (1)
- soocoop.com/certificates-iras · captured Oct 5, 2026
Term Certificates Non Compounding
Up to 3.65%APY · 6 terms
Early withdrawal penalty may be imposed prior to maturity date. Fees can reduce earnings. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account.
| Term | APY · $100 and up | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months91 Day term. Non Compounding | — | — | 3.00% | 3.00% | $74 |
| 6 months183 Day term. Non Compounding | — | — | 3.25% | 3.25% | $161 |
| 12 months12 Month term. Non Compounding | — | 3.55% | — | 3.55% | $355 |
| 24 months24 Month term. Non Compounding. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account | 3.65% | — | — | 3.65% | $743 |
| 36 months36 Month term. Non Compounding. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account | 3.25% | — | — | 3.25% | $1,007 |
| 60 months60 Month term. Non Compounding. Noncompounding term share accounts with a term greater than one year require mandatory dividend payouts at least annually and do not remain in the term share account | 3.50% | — | — | 3.50% | $1,877 |
Sources (1)
- soocoop.com/certificates-iras · captured Oct 5, 2026
Who can join Soo Co-Op CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to persons whose residence, employment, place of religious worship, real estate ownership, or school attendance is in the State of Michigan.
Family and household
- Open to any immediate relatives of current Soo Co-op Credit Union members.
Cost to join
- Establishing membership requires maintaining a minimum balance of at least $5.00 in a basic savings account.
Membership information collected October 5, 2026.