Best CD rates and certificates

Requirements

Product: Early withdrawals and applicable fees may reduce earnings. Loss of 90 days' interest for terms 12 months or less, 180 days' interest for terms greater than 12 months. Membership and eligibility requirements apply.

Requirements

Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.

Offer: The 15-month promotional CD is offered as of 7/1/2026 and is available for new money only. New money means funds that are not currently on deposit at MSGCU. This offer cannot be combined with current MSGCU deposit dollars, including rollovers from maturing MSGCU CDs. Funds are considered new money if received through cash, check, or wire transfer and CD is opened within five calendar days. Funds from an IRA direct transfer or rollover from another institution are also considered new money if deposited into the IRA share and CD opened within five calendar days. Funds withdrawn from MSGCU may not be returned and considered New Money within 90 calendar days of withdraw. Businesses, municipalities, and MSGCU team members are not eligible. Available in branches or when opening a new membership online. At maturity, renewed to a 1-year term CD.

Requirements

Product: Dividends paid and compounded quarterly. Rates determined by the principal balance when opened. Automatic renewal at maturity. Early withdrawal penalties may apply.

Requirements

Product: Fixed-rate CDs with terms from 3 months to 5 years; eight standard terms plus a 7-month promotional CD. Minimum to open standard CDs is $500. APY assumes interest remains until maturity. Upon maturity, tier rates default to the current standard rate in the rate schedule.

Offer: Promotional 7-month CD; new money only (funds not currently on deposit at Credit Union ONE; transfers from existing accounts do not qualify). Minimum $1,000 opening deposit. After maturity and a seven-day grace period, rolls into a 6-month CD at the then-current 6-month standard rate. Promotional terms and rates subject to change.

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: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.

Offer: Renewal Only. Promotional rate.

Requirements

Product: Minimum balance to open an account and earn advertised APY is $1,000. Early withdrawal penalty applies. Fees may reduce earnings.

Offer: Balance $1,000+ required.

Requirements

Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.

Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.

Requirements

Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.

Requirements

Product: Tiered rates compounded and credited quarterly. Terms ranging from 12 to 60 months. A penalty may be imposed for early withdrawal.

Offer: Special limited time offer. New money only; funds currently deposited in accounts at Bank Michigan are not eligible for promotional interest rate. Cannot be combined with any other CD offer.

Requirements

Product: Early withdrawal penalty applies: 3 months and 6 months - all dividends accrued; 1 to 2.5 years - 6 months of dividends accrued; 3-5 years - 9 months of dividends accrued. Available with a compounding or non-compounding option.

Offer: Term is 365 Days.

Requirements

Product: Minimum opening balance of $500. $5 member savings balance required for membership. Rates subject to change. Early withdrawal penalty may apply.

Offer: Includes 0.25% MORE VIP Relationship Reward Bonus (400+ points).

Requirements

Product: Membership required. Account qualifications apply. Early withdrawal penalty applies. Maximum amount for the Share Certificate Special per member is $100,000. 91-Day, 12-Month Jumbo, and 13-Month Special Certificates are not available as an IRA certificate.

Offer: 13-Month Special. Dividend paid quarterly. Maximum amount per member is $100,000. Not available as an IRA certificate.

Requirements

Offer: Early withdrawal penalty: 6 months interest. Interest paid and compounded quarterly.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.