Community Choice Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Community Choice Credit Union's highest tracked CD (share certificate) rate is 4.30% APY on a 25-month promotional CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.10% to 0.50% APY.
Tracking began .
Community Choice Credit Union CD & share certificate rates
Membership required. Standard certificates from 3 months to 5 years ($500 minimum) and 7-, 15- and 25-month CD specials. IRA certificates are excluded. Early withdrawal penalties apply.
| Term | Product | APY |
|---|---|---|
| 3 months | 3-Month Certificate | 0.10%Top 93% · $10k reference sampleVerified October 22, 2026 |
| 6 months | 6-Month Certificate | 0.15%Top 97% · $10k reference sampleVerified October 22, 2026 |
| 7 months | CD SPECIAL! 7-Month Certificate Promotional | 4.15%Verified October 22, 2026 |
| 12 months | 1-Year Certificate | 0.25%Top 96% · $10k reference sampleVerified October 22, 2026 |
| 15 months | CD SPECIAL! 15-Month Certificate Promotional | 4.26%Verified October 22, 2026 |
| 24 months | 2-Year Certificate | 0.30%Top 95% · $10k reference sampleVerified October 22, 2026 |
| 25 months | CD SPECIAL! 25-Month Certificate Promotional | 4.30%Verified October 22, 2026 |
| 36 months | 3-Year Certificate | 0.35%Top 94% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 4-Year Certificate | 0.40%Top 94% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 5-Year Certificate | 0.50%Top 94% · $10k reference sampleVerified 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.
Watch the renewal rate
The best promotional rate here is 4.30% APY (25 months). The standard rate for a similar term is 0.30% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $400 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Community Choice Credit Union's best CD rates by term?
Community Choice Credit Union's best rate is 4.30% APY on 25 months, verified October 22, 2026.
- 3 mo0.10%
- 6 mo0.15%
- 7 mo4.15%
- 12 mo0.25%
- 15 mo4.26%
- 24 mo0.30%
- 25 mo4.30%
- 36 mo0.35%
- 48 mo0.40%
- 60 mo0.50%
How much interest could a Community Choice 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.
$916.20 interest · $10,916.20 at maturity on $10,000.00.
4.30% APY · 25 months · CD SPECIAL! 25-Month Certificate · Promotional · 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 |
|---|---|---|---|---|
| 3 months | $1.250.10% APY · 3-Month Certificate · Standard | $2.490.10% APY · 3-Month Certificate · Standard | $6.230.10% APY · 3-Month Certificate · Standard | $12.460.10% APY · 3-Month Certificate · Standard |
| 6 months | $3.760.15% APY · 6-Month Certificate · Standard | $7.520.15% APY · 6-Month Certificate · Standard | $18.790.15% APY · 6-Month Certificate · Standard | $37.590.15% APY · 6-Month Certificate · Standard |
| 7 months | $120.064.15% APY · CD SPECIAL! 7-Month Certificate · Promotional | $240.134.15% APY · CD SPECIAL! 7-Month Certificate · Promotional | $600.314.15% APY · CD SPECIAL! 7-Month Certificate · Promotional | $1,200.634.15% APY · CD SPECIAL! 7-Month Certificate · Promotional |
| 12 months | $12.500.25% APY · 1-Year Certificate · Standard | $25.000.25% APY · 1-Year Certificate · Standard | $62.500.25% APY · 1-Year Certificate · Standard | $125.000.25% APY · 1-Year Certificate · Standard |
| 15 months | $267.504.26% APY · CD SPECIAL! 15-Month Certificate · Promotional | $535.004.26% APY · CD SPECIAL! 15-Month Certificate · Promotional | $1,337.514.26% APY · CD SPECIAL! 15-Month Certificate · Promotional | $2,675.024.26% APY · CD SPECIAL! 15-Month Certificate · Promotional |
| 24 months | $30.040.30% APY · 2-Year Certificate · Standard | $60.090.30% APY · 2-Year Certificate · Standard | $150.220.30% APY · 2-Year Certificate · Standard | $300.450.30% APY · 2-Year Certificate · Standard |
| 25 months | $458.104.30% APY · CD SPECIAL! 25-Month Certificate · Promotional | $916.204.30% APY · CD SPECIAL! 25-Month Certificate · Promotional | $2,290.504.30% APY · CD SPECIAL! 25-Month Certificate · Promotional | $4,580.994.30% APY · CD SPECIAL! 25-Month Certificate · Promotional |
| 36 months | $52.680.35% APY · 3-Year Certificate · Standard | $105.370.35% APY · 3-Year Certificate · Standard | $263.420.35% APY · 3-Year Certificate · Standard | $526.840.35% APY · 3-Year Certificate · Standard |
| 48 months | $80.480.40% APY · 4-Year Certificate · Standard | $160.960.40% APY · 4-Year Certificate · Standard | $402.410.40% APY · 4-Year Certificate · Standard | $804.810.40% APY · 4-Year Certificate · Standard |
| 60 months | $126.260.50% APY · 5-Year Certificate · Standard | $252.510.50% APY · 5-Year Certificate · Standard | $631.280.50% APY · 5-Year Certificate · Standard | $1,262.560.50% APY · 5-Year Certificate · Standard |
How Community Choice 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 760-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 4 of 13 tracked institutions with fresh 760-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Community Choice Credit Union (this institution)CD SPECIAL! 25-Month Certificate · Promotional | 25 months | $500 | Coverage: MI | 4.30% | October 22, 2026 |
| Genisys Credit UnionCertificate Special · Promotional | 25 months | $500 | Coverage: MI, MN | 4.35% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 25 months | Not stated | Nationwide; check eligibility | 3.65% | October 22, 2026 |
| Mercantile BankCertificate of Deposit - Online · Promotional | 25 months | $500 | Coverage: MI | 3.50% | October 22, 2026 |
| Dupaco Community Credit Union (highest tracked APY for this term)25 Month Fixed Jumbo Certificate Special · Promotional | 25 months | $100,000 | Coverage: IA, IL, WI | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 25 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Community Choice Credit Union on October 22, 2026.
About Community Choice Credit Union
- Legal name
- Community Choice Credit Union
- Regulator ID
- NCUA 64880
- Headquarters
- Farmington Hills, MI
- Available in
- MI
- Total assets
- $2.1 billion
- Also known as
- Website
- www.communitychoicecu.com
Source: rates read from https://www.communitychoicecu.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Community Choice Credit Union?
Among the rates we track, 4.30% APY on a 25-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Community Choice Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $500.
How does Community Choice Credit Union's best CD rate compare with Treasury yields?
4.30% APY is −0.57% versus the 25-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% 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 Community Choice Credit Union CDs insured?
Community Choice Credit Union is a federally insured credit union (NCUA 64880). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Community Choice 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 Community Choice 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 Community Choice Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Community Choice Credit Union before opening an account. This page is not financial advice.