Credit union · NCUA insured
Southeast Michigan State EFCU CD Rates
Southeast Michigan State EFCU’s best CD rate is 3.54% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Southeast Michigan State EFCU’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Southeast Michigan State EFCU has the most branches. $10,000, best rate first.
This credit union’s best
Southeast Michigan State EFCU
3.54%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,900
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
Southeast Michigan State EFCU CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo2.77%
- 16–30 months16–30 mo2.77%
- 31–60 months31–60 mo3.54%
- QualifiedQualified3.54%
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 Southeast Michigan State EFCU 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.
Certificates
Up to 3.54%APY · 6 terms
Minimum balance: $500. Dividends calculated daily, paid quarterly. Available terms: 3 to 60 months. Monthly/Quarterly Low Balance Fees are Assessed on Accounts if the Actual Balance Falls Below $100 During the Period. Applicable Fees Assessed Against an Account May Reduce Earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.53% | $126 |
| 12 months | 2.77% | $277 |
| 24 months | 2.77% | $562 |
| 36 months | 3.03% | $937 |
| 48 months | 3.27% | $1,374 |
| 60 months | 3.54% | $1,900 |
Sources (3)
- smsefcu.com/bank/investing/certificates
- smsefcu.com/rates/current-rates
- smsefcu.com/rates/saving-rates
All captured Sep 18, 2026
Jumbo Certificates
Up to 3.27%APY · 4 terms
Balance requirement: $50,000.00 and over. Dividends calculated daily, paid quarterly. Monthly/Quarterly Low Balance Fees are Assessed on Accounts if the Actual Balance Falls Below $100 During the Period. Applicable Fees Assessed Against an Account May Reduce Earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.77% | — |
| 12 months | 3.03% | — |
| 24 months | 3.27% | — |
| 36 months | 3.03% | — |
Special-purpose accounts
IRA Certificates
Up to 3.54%APY · 5 terms
$500.00 Minimum balance requirement. Monthly/Quarterly Low Balance Fees are Assessed on Accounts if the Actual Balance Falls Below $100 During the Period. Applicable Fees Assessed Against an Account May Reduce Earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.77% | $277 |
| 24 months | 2.77% | $562 |
| 36 months | 3.03% | $937 |
| 48 months | 3.27% | $1,374 |
| 60 months | 3.54% | $1,900 |
Closed to new customers
Kids Club Certificates
Up to 0.60%APY · 4 terms
No new Kid's Club certificates available. Balance requirement: $100 +. Monthly/Quarterly Low Balance Fees are Assessed on Accounts if the Actual Balance Falls Below $100 During the Period. Applicable Fees Assessed Against an Account May Reduce Earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNo new Kid's Club certificates available | 0.20% | $20 |
| 24 monthsNo new Kid's Club certificates available | 0.35% | $70 |
| 36 monthsNo new Kid's Club certificates available | 0.60% | $181 |
| 48 monthsNo new Kid's Club certificates available | 0.60% | $242 |
Who can join Southeast Michigan State EFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Individuals employed by local governments in Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, or Wayne County are eligible to join.
- Retirees of the State of Michigan and eligible local governments are welcome to join.
- Employees of the State of Michigan are eligible to join.
Family and household
- Immediate family members of eligible State of Michigan employees, local government employees, and retirees are eligible to join.
Cost to join
- An initial deposit of at least $5 into a share (savings) account is required to secure membership.
Membership information collected October 5, 2026.