Best CD rates and certificates

Requirements

Product: For loved ones opening an account after a member passes away. Funds must have been on deposit at DMCU at the time of death. The individual must be a representative, beneficiary or joint owner of the descendant's account and qualify for membership. Allows two withdrawals without penalty; third withdrawal assesses penalty and closes account. Minimum deposit $5,000, maximum deposit $1,000,000.

Offer: Must be representative, beneficiary or joint owner of descendant's account with funds on deposit at DMCU at time of death. Two withdrawals allowed without penalty during term; third withdrawal incurs penalty and closes account.

Requirements

Product: Dividends are compounded and credited quarterly for 6 month CDs and monthly for all other CDs. Early withdrawal penalties may apply. Fees may reduce earnings. 7-calendar-day grace period after maturity.

Offer: 12-Month Certificate; Minimum Balance $500.

Requirements

Product: Renew automatically on maturity date for the same or like term at current rate. 10-day grace period to withdraw or make changes before early withdrawal penalty applies. Early withdrawal penalty: Less than 1 year or 1 Year: 90 days of interest; 2 Years: 180 days of interest; 3-5 Years: 270 days of interest; 5+ Years: 360 days of interest.

Offer: Qualified Military Members (Active Duty, Veterans, Retirees) with military status verification (Military ID, Retirement ID, or DD214) and full direct deposit of at least $2,000 into checking account.

Requirements

Product: Must be 18 years or older and a legal resident of Michigan. All deposits must be made while in Michigan. No minimum deposit required after account opening. Maximum entries allowed per month is 10. One CD per member among any credit union that participates in Save to Win program. Monthly and quarterly cash prizes. Special certificates automatically renew on maturity date with a 10-day grace period before early withdrawal penalties apply.

Offer: Qualified Military Members receive a 1% rate increase on all CDs, excluding iSave. Eligible members include Active Duty, Veterans, and Retirees. To qualify, military members must establish a full direct deposit in their name into their checking account. Any direct deposits less than $2,000 will not be eligible for the rate increase. Military Status Verification: Verification of military status is required. Acceptable proof includes Military ID, Retirement ID, or DD214 (Certificate of Release or Discharge from Active Duty).

Requirements

Product: Available online only. Applicants must have a current U.S. home address (excluding U.S. territories, except Puerto Rico), SSN, valid U.S. driver's license or state ID, and be 18 years or older. Early withdrawal penalty of 30 days simple interest may apply. No monthly account maintenance fees.

Offer: Interest compounds and credits monthly. 30-day simple interest early withdrawal penalty.

Requirements

Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.

Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.

Requirements

Product: Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply. Dividends paid monthly. Only new funds eligible for promotional rate.

Offer: Early withdrawal penalty may apply. Only new funds eligible for promotional rate.

Requirements

Product: High-Yield Rewards Checking Account required.

Offer: High-Yield Rewards Checking Account required.

Requirements

Product: Minimum balance is $500. Dividends calculated daily, paid quarterly. Available terms range from 6 to 60 months. Auto renew options available.

Requirements

Product: Extra Credit Union membership required with a minimum deposit of $5 in a regular savings account. No monthly fees. Early withdrawal penalty may apply; 10-day grace period after maturity for auto-renewing certificates.

Offer: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.

Offer: APY as high as with loyalty benefits (rates may increase .2%).

Requirements

Product: Dividends accrue on daily balance. Less than 1 year certificates post dividends at maturity; 1 year or longer certificates compound dividends quarterly. Withdrawal before maturity subject to penalty. Minimum required certificate amount is $500, maximum balance is $1,000,000 per member. Membership requires completing payment of one $5.00 share.

Offer: Dividends accrue on daily balance and compound quarterly. Early withdrawal subject to penalty.