Credit union · NCUA insured
Total Community Credit Union CD Rates
Total Community Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Total Community Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Total Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Total Community Credit Union
3.75%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $186
Share Certificate of Deposit
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
Total Community Credit Union CD score
72
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.00%
- 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 Total Community 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 Certificate of Deposit
Up to 3.75%APY · 4 terms
Federally insured by NCUA up to at least $250,000. Penalties may apply for early withdrawals.
| Term | APY · $500 – $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $150,000 | APY · Over $150,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 monthsDividends paid at maturity / compounded annually and at maturity | 3.75% | 3.75% | 4.00% | 4.00% | 4.00% | 3.75%3.75% $25k–$75k4.00% $75k–$100k4.00% $100k–$150k4.00% from $150k | $186 |
| 12 monthsDividends paid at maturity / compounded annually and at maturity | 3.25% | 3.50% | 3.50% | 3.75% | 3.75% | 3.25%3.50% $25k–$75k3.50% $75k–$100k3.75% $100k–$150k3.75% from $150k | $325 |
| 18 monthsDividends paid annually and at maturity. Not available for IRAs | 3.00% | 3.25% | 3.25% | 3.50% | 3.50% | 3.00%3.25% $25k–$75k3.25% $75k–$100k3.50% $100k–$150k3.50% from $150k | $453 |
| 24–60 monthsDividends paid annually and at maturity | 1.75% | 2.00% | 2.00% | 2.25% | 2.25% | 1.75%2.00% $25k–$75k2.00% $75k–$100k2.25% $100k–$150k2.25% from $150k | $353 |
Sources (4)
- tccu.us
- tccu.us/products/certificate-of-deposit
- tccu.us/certificate-of-deposit
- tccu.us/wp-content/uploads/CD-rate-sheet-01-13-26.pdf
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.75%APY · 3 terms
Includes Traditional and Roth IRA Certificates of Deposit. Federally insured by NCUA up to at least $250,000. Penalties may apply for early withdrawals. 18-month certificate is not available for IRAs.
| Term | APY · $500 – $25,000 | APY · $25,000 – $75,000 | APY · $75,000 – $100,000 | APY · $100,000 – $150,000 | APY · Over $150,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 monthsDividends paid at maturity / compounded annually and at maturity | 3.75% | 3.75% | 4.00% | 4.00% | 4.00% | 3.75%3.75% $25k–$75k4.00% $75k–$100k4.00% $100k–$150k4.00% from $150k | $186 |
| 12 monthsDividends paid at maturity / compounded annually and at maturity | 3.25% | 3.50% | 3.50% | 3.75% | 3.75% | 3.25%3.50% $25k–$75k3.50% $75k–$100k3.75% $100k–$150k3.75% from $150k | $325 |
| 24–60 monthsDividends paid annually and at maturity | 1.75% | 2.00% | 2.00% | 2.25% | 2.25% | 1.75%2.00% $25k–$75k2.00% $75k–$100k2.25% $100k–$150k2.25% from $150k | $353 |
Sources (2)
All captured Sep 18, 2026
Who can join Total Community Credit Union
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