Credit union · NCUA insured
TRUE Community Credit Union CD Rates
TRUE Community Credit Union’s best CD rate is 3.65% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How TRUE Community Credit Union’s CD rates compare
Compared with banks and credit unions near Jackson, MI, where TRUE Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TRUE Community Credit Union
3.65%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,963
Share Certificates
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
TLC Community Credit Union
4.47%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $2,444
TRUE Community Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.65%
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 TRUE 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 Certificates
Up to 3.65%APY · 7 terms
No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 3.30% | $164 |
| 12 months | 3.40% | $340 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.65% | $1,963 |
Special-purpose accounts
Traditional/Roth/Education Coverdell Individual Retirement Accounts (IRAs) Certificates
Up to 3.65%APY · 6 terms
IRA accounts have a $40.00 annual fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.40% | $340 |
| 24 months | 3.50% | $712 |
| 36 months | 3.55% | $1,103 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.65% | $1,963 |
Sources (2)
All captured Oct 5, 2026
Who can join TRUE Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, learns (attends school), works, or worships across the State of Michigan.
Membership information collected October 5, 2026.