Credit union · NCUA insured
Wildfire Credit Union CD Rates
Wildfire Credit Union’s best CD rate is 4.11% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Wildfire Credit Union’s CD rates compare
Compared with banks and credit unions near Saginaw, MI, where Wildfire Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wildfire Credit Union
3.85%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $287
Certificate Special
Top rate
Health Advantage Credit Union
4.50%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $336
2nd-highest rate
Dow Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $488
Wildfire Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.85%
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 Wildfire 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.
Jumbo Certificate Special
4.11%APY · 1 term
Dividends are compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.11% | — |
Sources (1)
- wildfirecu.org/personal/accounts/certificates-of-deposit · captured Sep 18, 2026
Jumbo Certificate
Up to 4.07%APY · 7 terms
Balances over $100,000. One-time rate bump on 60 month term. Dividends are compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.66% | — |
| 12–17 months | 3.71% | — |
| 18–23 months | 3.71% | — |
| 24–35 months | 3.66% | — |
| 36–47 months | 4.02% | — |
| 48–59 months | 4.07% | — |
| 60 monthsOne-time rate bump on 60 month term | 4.07% | — |
Sources (1)
- wildfirecu.org/personal/accounts/certificates-of-deposit · captured Sep 18, 2026
Certificate Special
3.85%APY · 1 term
Dividends are compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.85% | $287 |
Sources (1)
- wildfirecu.org/personal/accounts/certificates-of-deposit · captured Sep 18, 2026
Certificate
Up to 3.55%APY · 7 terms
One-time rate bump on 60 month term. Dividends are compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.40% | $169 |
| 12–17 months | 3.45% | $345 |
| 18–23 months | 3.45% | $522 |
| 24–35 months | 3.40% | $692 |
| 36–47 months | 3.50% | $1,087 |
| 48–59 months | 3.55% | $1,497 |
| 60 monthsOne-time rate bump on 60 month term | 3.55% | $1,906 |
Sources (1)
- wildfirecu.org/personal/accounts/certificates-of-deposit · captured Sep 18, 2026
Special-purpose accounts
Jumbo HSA Certificate Special
4.11%APY · 1 term
Must be covered under HDHP, not enrolled in Medicare, and not claimed as dependent. Early CD withdrawal fee may apply. Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.11% | — |
Sources (2)
- wildfirecu.org/personal/accounts/health-savings-account
- wildfirecu.org/personal/accounts/certificates-of-deposit
All captured Sep 18, 2026
Jumbo IRA Certificate Special
4.11%APY · 1 term
May have a 10% IRS penalty on withdrawals under age 59.5. Minimum distributions required after age 73. Dividends compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.11% | — |
Sources (2)
All captured Sep 18, 2026
Jumbo HSA Certificate
Up to 4.07%APY · 7 terms
Must be covered under HDHP, not enrolled in Medicare, and not claimed as dependent. Early CD withdrawal fee may apply. Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.66% | — |
| 12–17 months | 3.71% | — |
| 18–23 months | 3.71% | — |
| 24–35 months | 3.66% | — |
| 36–47 months | 4.02% | — |
| 48–59 months | 4.07% | — |
| 60 months | 4.07% | — |
Sources (2)
- wildfirecu.org/personal/accounts/health-savings-account
- wildfirecu.org/personal/accounts/certificates-of-deposit
All captured Sep 18, 2026
Jumbo IRA Certificate
Up to 4.07%APY · 7 terms
Available in Traditional, Roth, and SEP IRA options. May have a 10% IRS penalty on withdrawals under age 59.5. Minimum distributions required after age 73. Dividends compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.66% | — |
| 12–17 months | 3.71% | — |
| 18–23 months | 3.71% | — |
| 24–35 months | 3.66% | — |
| 36–47 months | 4.02% | — |
| 48–59 months | 4.07% | — |
| 60 months | 4.07% | — |
Sources (2)
All captured Sep 18, 2026
HSA Certificate Special
3.85%APY · 1 term
Must be covered under HDHP, not enrolled in Medicare, and not claimed as dependent. Early CD withdrawal fee may apply. Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.85% | $287 |
Sources (2)
- wildfirecu.org/personal/accounts/health-savings-account
- wildfirecu.org/personal/accounts/certificates-of-deposit
All captured Sep 18, 2026
IRA Certificate Special
3.85%APY · 1 term
May have a 10% IRS penalty on withdrawals under age 59.5. Minimum distributions required after age 73. Dividends compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 3.85% | $287 |
Sources (2)
All captured Sep 18, 2026
Youth Certificate
Up to 3.71%APY · 2 terms
Must be 25 or younger. $2,000 maximum deposit. Deposits in $50 increments. Up to 10 Youth CDs per youth account. APY will vary depending on the initial certificate deposit amount. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust be 25 or younger. $50 deposit increments. Up to 10 Youth CDs per youth account | 3.66% | — |
| 12 monthsMust be 25 or younger. $50 deposit increments. Up to 10 Youth CDs per youth account | 3.71% | — |
Sources (1)
- wildfirecu.org/personal/accounts/certificates-of-deposit · captured Sep 18, 2026
HSA Certificate
Up to 3.55%APY · 7 terms
Must be covered under HDHP, not enrolled in Medicare, and not claimed as dependent. Early CD withdrawal fee may apply. Dividends compounded and credited monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.40% | $169 |
| 12–17 months | 3.45% | $345 |
| 18–23 months | 3.45% | $522 |
| 24–35 months | 3.40% | $692 |
| 36–47 months | 3.50% | $1,087 |
| 48–59 months | 3.55% | $1,497 |
| 60 months | 3.55% | $1,906 |
Sources (2)
- wildfirecu.org/personal/accounts/health-savings-account
- wildfirecu.org/personal/accounts/certificates-of-deposit
All captured Sep 18, 2026
IRA Certificate
Up to 3.55%APY · 7 terms
Available in Traditional, Roth, and SEP IRA options. May have a 10% IRS penalty on withdrawals under age 59.5. Minimum distributions required after age 73. Dividends compounded and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.40% | $169 |
| 12–17 months | 3.45% | $345 |
| 18–23 months | 3.45% | $522 |
| 24–35 months | 3.40% | $692 |
| 36–47 months | 3.50% | $1,087 |
| 48–59 months | 3.55% | $1,497 |
| 60 months | 3.55% | $1,906 |
Sources (2)
All captured Sep 18, 2026
Who can join Wildfire Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.