# Frankenmuth Credit Union CD and share certificate rates

As of October 22, 2026, Frankenmuth Credit Union's highest tracked CD (share certificate) rate is 5.00% APY on an 8-month special CD ($500 minimum). That is 3.6 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 2.80% to 3.70% APY.

Canonical page: https://apyledger.com/cd-rates/frankenmuth-credit-union
Institution: Frankenmuth Credit Union (NCUA 61755)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:22.000Z (October 22, 2026)
Official source: https://frankenmuthcu.org/rates/
Coverage: Membership required. Standard certificates in several balance tiers ($500 minimum under $100,000), 11- and 21-month specials, and an 8-month Livestock CD special open only to new funds from a livestock sale. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD-Certificate of Deposit | standard | 3 months | $250,000 | 2.95% | Not ZIP-priced | −1.34% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 3 months | $150,000 | 2.90% | Not ZIP-priced | −1.40% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 3 months | $100,000 | 2.85% | Not ZIP-priced | −1.44% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 3 months | $500 | 2.80% | Not ZIP-priced | −1.50% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 6 months | $250,000 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 6 months | $150,000 | 2.95% | Not ZIP-priced | −1.45% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 6 months | $100,000 | 2.90% | Not ZIP-priced | −1.50% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 6 months | $500 | 2.85% | Not ZIP-priced | −1.55% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Livestock CD Special | special | 8 months | $500 | 5.00% | Not ZIP-priced | +0.55% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 9 months | $250,000 | 3.15% | Not ZIP-priced | −1.33% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 9 months | $150,000 | 3.10% | Not ZIP-priced | −1.38% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 9 months | $100,000 | 3.05% | Not ZIP-priced | −1.43% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 9 months | $500 | 3.00% | Not ZIP-priced | −1.48% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 11 months | $250,000 | 3.65% | Not ZIP-priced | −0.89% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 11 months | $150,000 | 3.45% | Not ZIP-priced | −1.09% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 11 months | $100,000 | 3.25% | Not ZIP-priced | −1.29% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 11 months | $500 | 3.15% | Not ZIP-priced | −1.39% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 12 months | $250,000 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 12 months | $150,000 | 3.20% | Not ZIP-priced | −1.37% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 12 months | $100,000 | 3.15% | Not ZIP-priced | −1.42% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 12 months | $500 | 3.10% | Not ZIP-priced | −1.47% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Save To Win CD | standard | 12 months | $25 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 18 months | $250,000 | 3.31% | Not ZIP-priced | −1.41% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 18 months | $150,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 18 months | $100,000 | 3.20% | Not ZIP-priced | −1.52% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 18 months | $500 | 3.14% | Not ZIP-priced | −1.58% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 21 months | $250,000 | 3.75% | Not ZIP-priced | −1.04% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 21 months | $150,000 | 3.55% | Not ZIP-priced | −1.24% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 21 months | $100,000 | 3.35% | Not ZIP-priced | −1.44% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| Featured CD-Certificate of Deposit | promotional | 21 months | $500 | 3.25% | Not ZIP-priced | −1.54% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 24 months | $250,000 | 3.35% | Not ZIP-priced | −1.52% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 24 months | $150,000 | 3.31% | Not ZIP-priced | −1.56% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 24 months | $100,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 24 months | $500 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 30 months | $250,000 | 3.45% | Not ZIP-priced | −1.46% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 30 months | $150,000 | 3.40% | Not ZIP-priced | −1.51% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 30 months | $100,000 | 3.35% | Not ZIP-priced | −1.56% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 30 months | $500 | 3.30% | Not ZIP-priced | −1.61% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 36 months | $250,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 36 months | $150,000 | 3.45% | Not ZIP-priced | −1.50% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 36 months | $100,000 | 3.40% | Not ZIP-priced | −1.55% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 36 months | $500 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 48 months | $250,000 | 3.55% | Not ZIP-priced | −1.43% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 48 months | $150,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 48 months | $100,000 | 3.45% | Not ZIP-priced | −1.53% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 48 months | $500 | 3.40% | Not ZIP-priced | −1.58% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 60 months | $250,000 | 3.70% | Not ZIP-priced | −1.31% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 60 months | $150,000 | 3.65% | Not ZIP-priced | −1.36% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 60 months | $100,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |
| CD-Certificate of Deposit | standard | 60 months | $500 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-22T16:22:22.000Z | [Snapshot 355](https://apyledger.com/snapshots/355) |

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.