Credit union · NCUA insured
Tri-Cities Credit Union CD Rates
Tri-Cities Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How Tri-Cities Credit Union’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Tri-Cities Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tri-Cities Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
12-Month Certificate
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
Tri-Cities Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.79%
- 31–60 months31–60 mo3.04%
- QualifiedQualified4.00%
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 Tri-Cities 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.
12-Month Certificate
4.00%APY · 1 term
Penalty may apply for early withdrawal. Rates subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty may apply for early withdrawal | 4.00% | $400 |
Sources (1)
- tricu.org · captured Oct 16, 2026
Term Share Deposits
Up to 3.04%APY · 5 terms
Penalty for early withdrawal. Rates subject to change at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.53% | $253 |
| 24 months | 2.79% | $566 |
| 36 months | 3.04% | $940 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.04% | $1,615 |
Sources (1)
- tricu.org/accounts · captured Oct 16, 2026
Who can join Tri-Cities Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Ottawa County may become a member-owner of Tri-Cities Credit Union.
Cost to join
- Admission to membership requires opening a savings account / purchasing one share with a par value of $5.00.
Membership information collected October 5, 2026.