# Credit Union ONE (Michigan) CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/credit-union-one-michigan
Institution: Credit Union One (NCUA 62562)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:35.000Z (October 22, 2026)
Official source: https://www.cuone.org/resources/helpful-links/rates/certificate-of-deposit-rates
Coverage: Membership required. Includes the 7-month promotional certificate ($1,000–$250,000) and standard certificates quoted by balance tier. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $500 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 3 months | $2,500 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 3 months | $10,000 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 3 months | $25,000 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 3 months | $50,000 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 3 months | $100,000 | 3.04% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 6 months | $500 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 6 months | $2,500 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 6 months | $10,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 6 months | $25,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 6 months | $50,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 6 months | $100,000 | 3.30% | Not ZIP-priced | −1.10% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit Promotional | promotional | 7 months | $1,000 | 4.33% | Not ZIP-priced | −0.10% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 12 months | $500 | 3.04% | Not ZIP-priced | −1.53% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 12 months | $2,500 | 3.04% | Not ZIP-priced | −1.53% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 12 months | $10,000 | 3.04% | Not ZIP-priced | −1.53% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 12 months | $25,000 | 3.04% | Not ZIP-priced | −1.53% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 12 months | $50,000 | 3.04% | Not ZIP-priced | −1.53% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 12 months | $100,000 | 3.04% | Not ZIP-priced | −1.53% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 18 months | $100,000 | 3.30% | Not ZIP-priced | −1.42% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 18 months | $50,000 | 3.15% | Not ZIP-priced | −1.57% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 18 months | $25,000 | 3.04% | Not ZIP-priced | −1.68% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 18 months | $10,000 | 2.71% | Not ZIP-priced | −2.01% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 18 months | $500 | 2.53% | Not ZIP-priced | −2.19% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 18 months | $2,500 | 2.53% | Not ZIP-priced | −2.19% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 24 months | $100,000 | 2.53% | Not ZIP-priced | −2.34% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 24 months | $50,000 | 2.27% | Not ZIP-priced | −2.60% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 24 months | $25,000 | 2.17% | Not ZIP-priced | −2.70% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 24 months | $10,000 | 1.87% | Not ZIP-priced | −3.00% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 24 months | $500 | 1.76% | Not ZIP-priced | −3.11% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 24 months | $2,500 | 1.76% | Not ZIP-priced | −3.11% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 36 months | $100,000 | 2.53% | Not ZIP-priced | −2.42% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 36 months | $50,000 | 2.27% | Not ZIP-priced | −2.68% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 36 months | $25,000 | 2.17% | Not ZIP-priced | −2.78% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 36 months | $10,000 | 1.87% | Not ZIP-priced | −3.08% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 36 months | $500 | 1.76% | Not ZIP-priced | −3.19% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 36 months | $2,500 | 1.76% | Not ZIP-priced | −3.19% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 48 months | $100,000 | 2.78% | Not ZIP-priced | −2.20% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 48 months | $50,000 | 2.53% | Not ZIP-priced | −2.45% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 48 months | $25,000 | 2.11% | Not ZIP-priced | −2.87% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 48 months | $10,000 | 1.97% | Not ZIP-priced | −3.01% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 48 months | $500 | 1.87% | Not ZIP-priced | −3.11% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 48 months | $2,500 | 1.87% | Not ZIP-priced | −3.11% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 60 months | $100,000 | 2.78% | Not ZIP-priced | −2.23% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 60 months | $50,000 | 2.53% | Not ZIP-priced | −2.48% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 60 months | $25,000 | 2.11% | Not ZIP-priced | −2.90% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 60 months | $10,000 | 1.97% | Not ZIP-priced | −3.04% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 60 months | $500 | 1.87% | Not ZIP-priced | −3.14% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |
| Certificate of Deposit | standard | 60 months | $2,500 | 1.87% | Not ZIP-priced | −3.14% | 2026-10-22T16:21:35.000Z | [Snapshot 333](https://apyledger.com/snapshots/333) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.