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Credit union · NCUA insured

U.P. State Credit Union CD Rates

Top Carrot, Carrot Score 93Top Carrot

U.P. State Credit Union’s best CD rate is 4.06% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.

How U.P. State Credit Union’s CD rates compare

Compared with banks and credit unions near Sault Ste. Marie, MI, where U.P. State Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 93

    This credit union’s best

    U.P. State Credit Union

    4.06%APY

    Term
    24 months
    Minimum
    $1,000
    Earns on $10,000
    $828

    Certificates of Deposit

  • Top rate

    Nicolet National Bank

    4.75%APY

    Term
    60 months
    Minimum
    $2,500
    Earns on $10,000
    $2,612

    Nicolet National Bank rates

  • 2nd-highest rate

    Huntington Bank

    4.10%APY

    Term
    5 months
    Minimum
    $1,000
    Earns on $10,000
    $169

    Huntington Bank rates

Compare CD rates near you →

U.P. State Credit Union CD score

88

CD score

Higher than 80% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.28%
  • 9–15 months9–15 mo3.80%
  • 16–30 months16–30 mo4.06%
  • 31–60 months31–60 mo4.06%
  • QualifiedQualified4.06%

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.

How the score works →

Where U.P. State 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.

Who can join U.P. State 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This may be incomplete or out of date, so check with the credit union before you apply.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, worships, or attends school in the Upper Peninsula is eligible to join.

Family and household

  • Any immediate family members of current UPSCU members are eligible to join.

Cost to join

  • A $5 deposit into a share (savings) account is required to establish membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← U.P. State Credit Union overview