4Front Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, 4Front Credit Union's highest tracked CD (share certificate) rate is 3.45% APY on a 12-month CD ($100,000 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.27% to 3.45% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.30% on 12 months
4Front Credit Union CD & share certificate rates
Membership required. Certificates from 6 to 60 months with $1,000 and $100,000 minimums. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Certificate of Deposit | $1,000 | 2.79% | −1.61% | Top 71% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Jumbo Certificate of Deposit | $100,000 | 3.45% | −1.12% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $1,000 | 3.30% | −1.27% | Top 62% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Jumbo Certificate of Deposit | $100,000 | 2.43% | −2.29% | Top 77% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $1,000 | 2.27% | −2.45% | Top 80% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Jumbo Certificate of Deposit | $100,000 | 2.94% | −1.93% | Top 64% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $1,000 | 2.79% | −2.08% | Top 66% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Jumbo Certificate of Deposit | $100,000 | 2.43% | −2.48% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $1,000 | 2.27% | −2.64% | Verified October 22, 2026 |
| 36 months | Jumbo Certificate of Deposit | $100,000 | 2.94% | −2.01% | Top 62% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $1,000 | 2.79% | −2.16% | Top 64% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Jumbo Certificate of Deposit | $100,000 | 2.43% | −2.55% | Top 70% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $1,000 | 2.27% | −2.71% | Top 72% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Jumbo Certificate of Deposit | $100,000 | 2.43% | −2.58% | Top 72% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $1,000 | 2.27% | −2.74% | Top 73% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are 4Front Credit Union's best CD rates by term?
4Front Credit Union's best rate is 3.45% APY on 12 months, verified October 22, 2026.
- 6 mo2.79%
- 12 mo3.45%
- 18 mo2.43%
- 24 mo2.94%
- 30 mo2.43%
- 36 mo2.94%
- 48 mo2.43%
- 60 mo2.43%
How much interest could a 4Front Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$330.00 interest · $10,330.00 at maturity on $10,000.00.
3.30% APY · 12 months · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $69.462.79% APY · Certificate of Deposit · Standard | $138.922.79% APY · Certificate of Deposit · Standard | $347.312.79% APY · Certificate of Deposit · Standard | $694.612.79% APY · Certificate of Deposit · Standard |
| 12 months | $165.003.30% APY · Certificate of Deposit · Standard | $330.003.30% APY · Certificate of Deposit · Standard | $825.003.30% APY · Certificate of Deposit · Standard | $1,650.003.30% APY · Certificate of Deposit · Standard |
| 18 months | $171.372.27% APY · Certificate of Deposit · Standard | $342.742.27% APY · Certificate of Deposit · Standard | $856.862.27% APY · Certificate of Deposit · Standard | $1,713.722.27% APY · Certificate of Deposit · Standard |
| 24 months | $282.892.79% APY · Certificate of Deposit · Standard | $565.782.79% APY · Certificate of Deposit · Standard | $1,414.462.79% APY · Certificate of Deposit · Standard | $2,828.922.79% APY · Certificate of Deposit · Standard |
| 30 months | $288.762.27% APY · Certificate of Deposit · Standard | $577.522.27% APY · Certificate of Deposit · Standard | $1,443.812.27% APY · Certificate of Deposit · Standard | $2,887.622.27% APY · Certificate of Deposit · Standard |
| 36 months | $430.282.79% APY · Certificate of Deposit · Standard | $860.572.79% APY · Certificate of Deposit · Standard | $2,151.422.79% APY · Certificate of Deposit · Standard | $4,302.852.79% APY · Certificate of Deposit · Standard |
| 48 months | $469.692.27% APY · Certificate of Deposit · Standard | $939.392.27% APY · Certificate of Deposit · Standard | $2,348.472.27% APY · Certificate of Deposit · Standard | $4,696.942.27% APY · Certificate of Deposit · Standard |
| 60 months | $593.862.27% APY · Certificate of Deposit · Standard | $1,187.712.27% APY · Certificate of Deposit · Standard | $2,969.282.27% APY · Certificate of Deposit · Standard | $5,938.562.27% APY · Certificate of Deposit · Standard |
How 4Front Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 245 of 413 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| 4Front Credit Union (this institution)Jumbo Certificate of Deposit · Standard | 12 months | $100,000 | Membership required · branches in MI | 3.45% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking 4Front Credit Union on October 22, 2026.
About 4Front Credit Union
- Legal name
- 4front Credit Union
- Regulator ID
- NCUA 61365
- Headquarters
- Traverse City, MI
- Available in
- MI
- Total assets
- $1.0 billion
- Also known as
- Website
- www.4frontcu.com
Source: rates read from https://www.4frontcu.com/personal/personal-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at 4Front Credit Union?
Among the rates we track, 3.45% APY on a 12-month CD, as of October 22, 2026.
What is the minimum deposit for a 4Front Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $100,000.
How does 4Front Credit Union's best CD rate compare with Treasury yields?
3.45% APY is −1.12% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.45% a good CD rate?
It is 2.0 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are 4Front Credit Union CDs insured?
4Front Credit Union is a federally insured credit union (NCUA 61365). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at 4Front Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check 4Front Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from 4Front Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with 4Front Credit Union before opening an account. This page is not financial advice.