Credit union · NCUA insured
Team One Credit Union CD Rates
Team One Credit Union’s best CD rate is 3.60% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Team One Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Team One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Team One Credit Union
3.60%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $360
Certificates of Deposit
Top rate
Health Advantage Credit Union
4.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $336
2nd-highest rate
Dow Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
Team One Credit Union CD score
80
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 Team One 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.
Certificates of Deposit
Up to 3.60%APY · 8 terms
No additional deposits during the CD term. Early withdrawal penalties may apply. Funds can be used as collateral for a Certificate Secured Loan.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 3.50% | $173 |
| 12 months | 3.60% | $360 |
| 18 months | 3.50% | $530 |
| 24 months | 3.45% | $702 |
| 36 months | 3.35% | $1,039 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Sep 18, 2026
Save to Win Certificate
2.50%APY
Interest earned based on balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 3.10% | — |
| $2,500 – $7,500 | 2.80% | — |
| $7,500 – $10,000 | 2.50% | $250 |
| Over $10,000 | 0.05% | — |
Sources (1)
- teamonecu.org/rates · captured Sep 18, 2026
Special-purpose accounts
IRA/Deferred Compensation Certificates of Deposit
Up to 3.60%APY · 8 terms
Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 3.50% | $173 |
| 12 months | 3.60% | $360 |
| 18 months | 3.50% | $530 |
| 24 months | 3.45% | $702 |
| 36 months | 3.35% | $1,039 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- teamonecu.org/rates · captured Sep 18, 2026
Who can join Team One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who reside in Lee County or Collier County, Florida.
- Eligibility is open to individuals who live, work, worship, or attend school in the state of Michigan.
Family and household
- Eligibility is open to individuals with an immediate family member who has an existing Team One membership, regardless of residence.
Cost to join
- Opening a membership requires a valid ID and a $5 deposit to open a savings account with a $5 minimum balance.
Membership information collected October 5, 2026.