Credit union · NCUA insured
TBA Credit Union CD Rates
TBA Credit Union’s best CD rate is 3.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How TBA Credit Union’s CD rates compare
Compared with banks and credit unions near Traverse City, MI, where TBA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TBA Credit Union
3.75%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $186
Certificate of Deposit (CD)
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
MSU Federal Credit Union
4.35%APY
- Term
- 84 months
- Minimum
- $2,500
- Earns on $10,000
- $3,472
TBA Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.75%
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 TBA 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.
Certificate of Deposit (CD)
Up to 3.75%APY · 6 terms
Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 6 monthsWith Direct Deposit (0.20% rate increase) | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 12 monthsWith Direct Deposit (0.20% rate increase) | 3.70% | $370 |
| 24 months | 3.29% | $669 |
| 24 monthsWith Direct Deposit (0.20% rate increase) | 3.50% | $712 |
| 36 months | 3.34% | $1,036 |
| 36 monthsWith Direct Deposit (0.20% rate increase) | 3.55% | $1,103 |
| 48 months | 3.39% | $1,427 |
| 48 monthsWith Direct Deposit (0.20% rate increase) | 3.60% | $1,520 |
| 60 months | 3.44% | $1,842 |
| 60 monthsWith Direct Deposit (0.20% rate increase) | 3.65% | $1,963 |
Sources (1)
- tbacu.com/cds · captured Oct 16, 2026
Add-On CD
Up to 2.98%APY · 1 term
Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.78% | $138 |
| 6 monthsWith Direct Deposit (0.20% rate increase) | 2.98% | $148 |
Sources (1)
- tbacu.com/cds · captured Oct 16, 2026
Special-purpose accounts
HSA CD
Up to 3.75%APY · 6 terms
Rates are the same for IRA and HSA CDs. Penalty applies for early withdrawal. Rates effective April 22, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 6 months6 Month Add-On CD | 2.78% | $138 |
| 6 months6 Month Add-On CD with Direct Deposit (0.20% rate increase) | 2.98% | $148 |
| 6 monthsWith Direct Deposit (0.20% rate increase) | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 12 monthsWith Direct Deposit (0.20% rate increase) | 3.70% | $370 |
| 24 months | 3.29% | $669 |
| 24 monthsWith Direct Deposit (0.20% rate increase) | 3.50% | $712 |
| 36 months | 3.34% | $1,036 |
| 36 monthsWith Direct Deposit (0.20% rate increase) | 3.55% | $1,103 |
| 48 months | 3.39% | $1,427 |
| 48 monthsWith Direct Deposit (0.20% rate increase) | 3.60% | $1,520 |
| 60 months | 3.44% | $1,842 |
| 60 monthsWith Direct Deposit (0.20% rate increase) | 3.65% | $1,963 |
Sources (1)
- tbacu.com/cds · captured Oct 16, 2026
IRA CD
Up to 3.75%APY · 6 terms
Rates are the same for IRA and HSA CDs. Penalty applies for early withdrawal. No set-up or annual maintenance fees. Choice of Traditional IRAs, Roth IRAs, and Coverdale Education Savings accounts. Rates effective April 22, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 6 months6 Month Add-On CD | 2.78% | $138 |
| 6 months6 Month Add-On CD with Direct Deposit (0.20% rate increase) | 2.98% | $148 |
| 6 monthsWith Direct Deposit (0.20% rate increase) | 3.75% | $186 |
| 12 months | 3.50% | $350 |
| 12 monthsWith Direct Deposit (0.20% rate increase) | 3.70% | $370 |
| 24 months | 3.29% | $669 |
| 24 monthsWith Direct Deposit (0.20% rate increase) | 3.50% | $712 |
| 36 months | 3.34% | $1,036 |
| 36 monthsWith Direct Deposit (0.20% rate increase) | 3.55% | $1,103 |
| 48 months | 3.39% | $1,427 |
| 48 monthsWith Direct Deposit (0.20% rate increase) | 3.60% | $1,520 |
| 60 months | 3.44% | $1,842 |
| 60 monthsWith Direct Deposit (0.20% rate increase) | 3.65% | $1,963 |
Who can join TBA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can join if you live, work, attend school, or worship in Michigan.
Employers and groups
- You can join if you are a TBACU employee.
Military, government and schools
- You can join if you are an alumnus of Northwestern Michigan College.
Family and household
- You can join if you are an immediate family member of an eligible individual.
- You can join if you are the spouse of a deceased member (before remarriage).
Other ways
- You can join if you are an individual receiving retirement income who lives in or belongs to a retirement group in the region.
Membership information collected October 5, 2026.