Skip to Sitemap Skip to Online Banking
placeholder for jump to top link
Apply for a Loan
Quick Links
I want to
Build up short-term savings quicker.

Certificate of Deposit Rates

Open an Account

Boost your savings.

Get great Michigan CD rates* from Credit Union ONE. With CD terms from 3 to 60 months, we have the perfect CD for your savings needs. 

Certificate of Deposit

(Interest is compounded and credited monthly.)

Term $2,500-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000+
  Interest Rate APY Interest Rate APY Interest Rate APY Interest Rate APY Interest Rate APY
3 Months 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.75% 0.75% 1.00% 1.00%
6 Months 0.90% 0.90% 1.00% 1.00% 1.50% 1.51% 1.60% 1.61% 1.90% 1.92%
12 Months 1.00% 1.00% 1.25% 1.26% 1.60% 1.61% 1.70% 1.71% 2.00% 2.02%
18 Months 0.75% 0.75% 0.90% 0.90% 1.25% 1.26% 1.35% 1.36% 1.50% 1.51%
24 Months 0.50% 0.50% 0.60% 0.60% 0.90% 0.90% 1.00% 1.00% 1.50% 1.51%
36 Months 0.50% 0.50% 0.60% 0.60% 0.90% 0.90% 1.00% 1.00% 1.60% 1.61%
48 Months 0.60% 0.60% 0.70% 0.70% 0.80% 0.80% 0.90% 0.90% 1.70% 1.71%
60 Months 0.60% 0.60% 0.70% 0.70% 0.80% 0.80% 0.90% 0.90% 1.80% 1.82%

*All rates are Annual Percentage Yield (APY). Minimum to open is $2,500. APY is based on an assumption that interest will remain in the account until maturity. Withdrawals and fees may reduce earnings. Rates accurate as of 10/25/2022.  May be discontinued or changed at anytime. Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs: Loss of 30 days interest for CDs with a term of 6 months or less. Loss of 90 days interest for CDs with a term greater than 6 months or equal to 12 months. Loss of 180 days interest for CDs with a term greater than 12 months

Add on Certificate of Deposit

(Interest is compounded and credited monthly.)

Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000+
  Interest Rate APY Interest Rate APY Interest Rate APY Interest Rate APY
10-Months 4.00% 4.07% 4.00% 4.07% 4.00% 4.07% 4.00% 4.07%

*APY is annual percentage yield and based on the assumption that interest will remain in the account until maturity. Minimum amount to open the account and earn the APY is $500.00.  Maximum amount is $250,000. Unlimited add on deposits may be made over the term up to a total CD amount of $250,000.  Upon maturity, the CD will redeem into a 12-month CD at the then current standard APY. A penalty may be imposed for early withdrawal. Maximum of one CD per member. Offer may be changed or modified at any time.  Rates accurate as of 1/17/2023.  Promotional offer ends 4/30/2023.