Credit union · NCUA insured
University of Michigan Credit Union CD Rates
University of Michigan Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How University of Michigan Credit Union’s CD rates compare
Compared with banks and credit unions near Ann Arbor, MI, where University of Michigan Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
University of Michigan Credit Union
3.66%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $366
Certificates of Deposit
Top rate
People Driven Credit Union
4.55%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $339
2nd-highest rate
Michigan Schools & Government Credit Union
4.55%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $572
University of Michigan Credit Union CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo2.89%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo2.94%
- 31–60 months31–60 mo3.14%
- QualifiedQualified3.66%
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 University of Michigan 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 3.66%APY · 6 terms
Early withdrawal of principal prior to maturity date results in 90 days interest deducted from account balance. Minimum deposit to open is $500.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 2.78% | 2.89% | 2.99% | 2.78%2.89% from $10k2.99% from $100k | $138 |
| 12 months | 3.56% | 3.66% | 3.82% | 3.56%3.66% from $10k3.82% from $100k | $356 |
| 24 months | 2.84% | 2.94% | 3.04% | 2.84%2.94% from $10k3.04% from $100k | $576 |
| 36 months | 2.89% | 2.99% | 3.09% | 2.89%2.99% from $10k3.09% from $100k | $892 |
| 48 months | 2.94% | 3.04% | 3.14% | 2.94%3.04% from $10k3.14% from $100k | $1,229 |
| 60 months | 3.04% | 3.14% | 3.25% | 3.04%3.14% from $10k3.25% from $100k | $1,615 |
Sources (1)
- umcu.org/accounts/savings/certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 3.66%APY · 6 terms
Available as Traditional and Roth IRA certificates. Minimum deposit to open is $500.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | 2.78% | 2.89% | 2.99% | 2.78%2.89% from $10k2.99% from $100k | $138 |
| 12 months | 3.56% | 3.66% | 3.82% | 3.56%3.66% from $10k3.82% from $100k | $356 |
| 24 months | 2.84% | 2.94% | 3.04% | 2.84%2.94% from $10k3.04% from $100k | $576 |
| 36 months | 2.89% | 2.99% | 3.09% | 2.89%2.99% from $10k3.09% from $100k | $892 |
| 48 months | 2.94% | 3.04% | 3.14% | 2.94%3.04% from $10k3.14% from $100k | $1,229 |
| 60 months | 3.04% | 3.14% | 3.25% | 3.04%3.14% from $10k3.25% from $100k | $1,615 |
Sources (1)
- umcu.org/accounts/savings/iras · captured Oct 16, 2026
Who can join University of Michigan Credit Union
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