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Leave your cash deposited longer to grow at higher interest rates.

Certificates of Deposit

Build up
short-term savings quicker.

The longer your term, the more you earn.

Money Market
Higher balances earn higher interest rates. Get better rates and more accessibility.
Choose the CD that's right for you:
Rates and Benefits
10-Month Add-on Certificate of Deposit** Traditional Certificate of Deposit

Rates up to

1.01% APY* 2.53% APY*

Minimum amount to open

$200 $2,500
Unlimited additional deposits with no minimum Yes  
Fixed rates for length of term Yes Yes
Deposits insured up to $250,000 by NCUA Yes Yes
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CDs deliver guaranteed returns.


To build up your savings with a higher interest rate, consider Credit Union ONE's various CD options. Choose from eight terms, up to five years, with each term gradually paying a higher interest the longer your money stays on deposit. Once your CD matures, you can reinvest to continue growing or cash out your CD for a specific use. When our Michigan members want to maximize their savings, we help them find the CD that fits their goals. Open an account or visit us at one of our convenient locations throughout Michigan including metro Detroit, Grand Rapids, Traverse City and beyond.

*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 5/11/2019.  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

**Unlimited add on deposits may be made over the term of the CD.  Upon maturity, the rate for all tiers will default to the current standard rate as published in the rate schedule. New money only.  Rates accurate as of 9/4/2019.

Open a Certificate of Deposit today.
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Related resources

How do I open a Certificate of Deposit (CD)? 

Call the Member Contact Center at 800-451-4292, visit any Credit Union ONE branch or use Online Banking. In Online Banking, click on Open an Account and choose Certificate of Deposit from the drop-down menu.

What are your Certificate of Deposit (CD) rates and terms?

Our latest CD rates and terms are available online.

My Certificate of Deposit (CD) is matured and I would like to transfer the funds to my
checking account.

Members can redeem their CDs at any Credit Union ONE branch or by calling Member Contact Center 800-451-4292.

How can I close my Certificate of Deposti (CD)?

Members can close their CDs at any Credit Union ONE branch or by calling Member Contact Center 800-451-4292.

What is a Certificate of Deposit (CD)?

Our Certificates of Deposit page explains all the details, and how to open this account.