Credit Union ONE (Michigan) CD & Share Certificate Rates — October 2026
As of October 22, 2026, Credit Union ONE (Michigan)'s highest tracked CD (share certificate) rate is 4.33% APY on a 7-month promotional CD ($1,000 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.76% to 3.30% APY.
Tracking began .
Credit Union ONE (Michigan) CD & share certificate rates
Membership required. Includes the 7-month promotional certificate ($1,000–$250,000) and standard certificates quoted by balance tier. Early withdrawal penalties may apply.
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 4.33% APY (7 months). The standard rate for a similar term is 3.30% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $103 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 Credit Union ONE (Michigan)'s best CD rates by term?
Credit Union ONE (Michigan)'s best rate is 4.33% APY on 7 months, verified October 22, 2026.
- 3 mo3.04%
- 6 mo3.30%
- 7 mo4.33%
- 12 mo3.04%
- 18 mo3.30%
- 24 mo2.53%
- 36 mo2.53%
- 48 mo2.78%
- 60 mo2.78%
How much interest could a Credit Union ONE (Michigan) 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.
$250.45 interest · $10,250.45 at maturity on $10,000.00.
4.33% APY · 7 months · Certificate of Deposit Promotional · 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 | $37.473.04% APY · Certificate of Deposit · Standard | $74.943.04% APY · Certificate of Deposit · Standard | $187.353.04% APY · Certificate of Deposit · Standard | $374.713.04% APY · Certificate of Deposit · Standard |
| 6 months | $82.063.30% APY · Certificate of Deposit · Standard | $164.113.30% APY · Certificate of Deposit · Standard | $410.283.30% APY · Certificate of Deposit · Standard | $820.563.30% APY · Certificate of Deposit · Standard |
| 7 months | $125.224.33% APY · Certificate of Deposit Promotional · Promotional | $250.454.33% APY · Certificate of Deposit Promotional · Promotional | $626.124.33% APY · Certificate of Deposit Promotional · Promotional | $1,252.254.33% APY · Certificate of Deposit Promotional · Promotional |
| 12 months | $152.003.04% APY · Certificate of Deposit · Standard | $304.003.04% APY · Certificate of Deposit · Standard | $760.003.04% APY · Certificate of Deposit · Standard | $1,520.003.04% APY · Certificate of Deposit · Standard |
| 18 months | $191.122.53% APY · Certificate of Deposit · Standard | $409.622.71% APY · Certificate of Deposit · Standard | $1,149.693.04% APY · Certificate of Deposit · Standard | $2,383.233.15% APY · Certificate of Deposit · Standard |
| 24 months | $177.551.76% APY · Certificate of Deposit · Standard | $377.501.87% APY · Certificate of Deposit · Standard | $1,096.772.17% APY · Certificate of Deposit · Standard | $2,295.762.27% APY · Certificate of Deposit · Standard |
| 36 months | $268.671.76% APY · Certificate of Deposit · Standard | $571.561.87% APY · Certificate of Deposit · Standard | $1,663.072.17% APY · Certificate of Deposit · Standard | $3,482.882.27% APY · Certificate of Deposit · Standard |
| 48 months | $384.621.87% APY · Certificate of Deposit · Standard | $811.591.97% APY · Certificate of Deposit · Standard | $2,177.732.11% APY · Certificate of Deposit · Standard | $5,255.292.53% APY · Certificate of Deposit · Standard |
| 60 months | $485.311.87% APY · Certificate of Deposit · Standard | $1,024.581.97% APY · Certificate of Deposit · Standard | $2,751.182.11% APY · Certificate of Deposit · Standard | $6,653.252.53% APY · Certificate of Deposit · Standard |
How Credit Union ONE (Michigan) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 63 tracked institutions with fresh 213-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 |
|---|---|---|---|---|---|
| Credit Union ONE (Michigan) (this institution)Certificate of Deposit Promotional · Promotional | 7 months | $1,000 | Coverage: MI | 4.33% | October 22, 2026 |
| Genisys Credit UnionCertificate Special · Promotional | 7 months | $500 | Coverage: MI, MN | 4.50% | October 22, 2026 |
| Community Choice Credit UnionCD SPECIAL! 7-Month Certificate · Promotional | 7 months | $500 | Coverage: MI | 4.15% | October 22, 2026 |
| United Federal Credit Union7 Month Special Share Certificate · Relationship | 7 months | $500 | Coverage: AR, IN, MI, NC, NV, OH, PA | 4.10% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Coverage: MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Credit Union ONE (Michigan) on October 22, 2026.
About Credit Union ONE (Michigan)
- Legal name
- Credit Union One
- Regulator ID
- NCUA 62562
- Headquarters
- Ferndale, MI
- Available in
- MI
- Total assets
- $1.8 billion
- Also known as
- Website
- www.cuone.org
Source: rates read from https://www.cuone.org/resources/helpful-links/rates/certificate-of-deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Credit Union ONE (Michigan)?
Among the rates we track, 4.33% APY on a 7-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Credit Union ONE (Michigan) CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Credit Union ONE (Michigan)'s best CD rate compare with Treasury yields?
4.33% APY is −0.10% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.33% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% 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 Credit Union ONE (Michigan) CDs insured?
Credit Union ONE (Michigan) is a federally insured credit union (NCUA 62562). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Credit Union ONE (Michigan)?
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 Credit Union ONE (Michigan)'s rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Credit Union ONE (Michigan)'s website and may change at any time. Confirm terms, minimums and eligibility with Credit Union ONE (Michigan) before opening an account. This page is not financial advice.