Credit union · NCUA insured
West Michigan Postal Service FCU CD Rates
West Michigan Postal Service FCU’s best CD rate is 3.67% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How West Michigan Postal Service FCU’s CD rates compare
Compared with banks and credit unions near Muskegon, MI, where West Michigan Postal Service FCU has the most branches. $10,000, best rate first.
This credit union’s best
West Michigan Postal Service FCU
3.67%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $367
Share Certificates of Deposit
Top rate
Michigan Coastal Credit Union
4.30%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $467
2nd-highest rate
Community Choice Credit Union
4.30%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $917
West Michigan Postal Service FCU CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo3.06%
- 9–15 months9–15 mo3.67%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.43%
- QualifiedQualified3.67%
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 West Michigan Postal Service FCU 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 of Deposit
Up to 3.67%APY · 7 terms
All Certificates of Deposit receive a 0.15% Renewal Bonus upon expiration (added to rate not APY). Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months0.15% Renewal Bonus upon expiration (added to rate not APY) | 1.11% | $28 |
| 6 months0.15% Renewal Bonus upon expiration (added to rate not APY) | 3.06% | $152 |
| 9 months0.15% Renewal Bonus upon expiration (added to rate not APY) | 3.37% | $252 |
| 12 months0.15% Renewal Bonus upon expiration (added to rate not APY) | 3.67% | $367 |
| 24 months0.15% Renewal Bonus upon expiration (added to rate not APY) | 3.35% | $681 |
| 36 months0.15% Renewal Bonus upon expiration (added to rate not APY) | 3.42% | $1,061 |
| 60 months0.15% Renewal Bonus upon expiration (added to rate not APY) | 3.43% | $1,837 |
Sources (1)
- wmpsfcu.com/rates · captured Oct 16, 2026
Who can join West Michigan Postal Service FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this credit union are eligible for membership.
Military, government and schools
- Employees of the US Postal Service who work in Muskegon, Muskegon Heights, North Muskegon, Montague, Whitehall, Fruitport, Twin Lake, Holton, Ravenna, Ada, Grand Rapids, Spring Lake, Ferrysburg, Grand Haven, Nunica, Coopersville, Lamont, Conklin, Marne, or Allendale, Michigan are eligible for membership.
- Persons retired as pensioners or annuitants from eligible USPS employment are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership are eligible for membership.
Cost to join
- Opening a Share Savings Account with a deposit of $5.00 is required to start membership.
Membership information collected October 5, 2026.