Honor Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Honor Credit Union's highest tracked CD (share certificate) rate is 4.03% APY on an 8-month promotional CD ($1,000 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.50% to 2.40% APY.
Tracking began .
Honor Credit Union CD & share certificate rates
Membership required. Standard CDs, the 8-month CD special ($1,000 minimum), 12-month add-on CDs and $100,000 jumbo CDs; the general minimum is $50. Public funds are excluded. 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 4.03% APY (8 months). The standard rate for a similar term is 1.25% APY (9 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $278 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 Honor Credit Union's best CD rates by term?
Honor Credit Union's best rate is 4.03% APY on 8 months, verified October 22, 2026.
- 3 mo0.50%
- 6 mo1.25%
- 8 mo4.03%
- 9 mo1.25%
- 12 mo1.75%
- 18 mo1.50%
- 24 mo1.85%
- 30 mo1.60%
- 36 mo2.20%
- 48 mo2.30%
- 60 mo2.40%
How much interest could a Honor 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.
$266.52 interest · $10,266.52 at maturity on $10,000.00.
4.03% APY · 8 months · 8-Month Certificate of Deposit Special · 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 | $6.220.50% APY · Certificate of Deposit · Standard | $12.440.50% APY · Certificate of Deposit · Standard | $31.110.50% APY · Certificate of Deposit · Standard | $62.210.50% APY · Certificate of Deposit · Standard |
| 6 months | $31.241.25% APY · Certificate of Deposit · Standard | $62.481.25% APY · Certificate of Deposit · Standard | $156.191.25% APY · Certificate of Deposit · Standard | $312.391.25% APY · Certificate of Deposit · Standard |
| 8 months | $133.264.03% APY · 8-Month Certificate of Deposit Special · Promotional | $266.524.03% APY · 8-Month Certificate of Deposit Special · Promotional | $666.314.03% APY · 8-Month Certificate of Deposit Special · Promotional | $1,332.624.03% APY · 8-Month Certificate of Deposit Special · Promotional |
| 9 months | $46.851.25% APY · Certificate of Deposit · Standard | $93.691.25% APY · Certificate of Deposit · Standard | $234.231.25% APY · Certificate of Deposit · Standard | $468.451.25% APY · Certificate of Deposit · Standard |
| 12 months | $75.001.50% APY · 12-Month Add-On Certificate of Deposit · Standard | $150.001.50% APY · 12-Month Add-On Certificate of Deposit · Standard | $375.001.50% APY · 12-Month Add-On Certificate of Deposit · Standard | $750.001.50% APY · 12-Month Add-On Certificate of Deposit · Standard |
| 18 months | $113.031.50% APY · Certificate of Deposit · Standard | $226.051.50% APY · Certificate of Deposit · Standard | $565.131.50% APY · Certificate of Deposit · Standard | $1,130.251.50% APY · Certificate of Deposit · Standard |
| 24 months | $161.281.60% APY · Certificate of Deposit · Standard | $322.561.60% APY · Certificate of Deposit · Standard | $806.401.60% APY · Certificate of Deposit · Standard | $1,612.801.60% APY · Certificate of Deposit · Standard |
| 30 months | $202.521.60% APY · Certificate of Deposit · Standard | $405.041.60% APY · Certificate of Deposit · Standard | $1,012.601.60% APY · Certificate of Deposit · Standard | $2,025.201.60% APY · Certificate of Deposit · Standard |
| 36 months | $298.241.95% APY · Certificate of Deposit · Standard | $596.481.95% APY · Certificate of Deposit · Standard | $1,491.201.95% APY · Certificate of Deposit · Standard | $2,982.411.95% APY · Certificate of Deposit · Standard |
| 48 months | $422.782.05% APY · Certificate of Deposit · Standard | $845.562.05% APY · Certificate of Deposit · Standard | $2,113.902.05% APY · Certificate of Deposit · Standard | $4,227.812.05% APY · Certificate of Deposit · Standard |
| 60 months | $561.112.15% APY · Certificate of Deposit · Standard | $1,122.232.15% APY · Certificate of Deposit · Standard | $2,805.572.15% APY · Certificate of Deposit · Standard | $5,611.152.15% APY · Certificate of Deposit · Standard |
How Honor 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 243-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 19 tracked institutions with fresh 243-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 |
|---|---|---|---|---|---|
| Honor Credit Union (this institution)8-Month Certificate of Deposit Special · Promotional | 8 months | $1,000 | Coverage: MI | 4.03% | October 22, 2026 |
| Frankenmuth Credit Union (highest tracked APY for this term)Livestock CD Special · Special | 8 months | $500 | Coverage: MI | 5.00% | October 22, 2026 |
| 1st Source BankCD Special · Promotional | 8 months | $500 | Coverage: FL, IN, MI | 3.85% | October 22, 2026 |
| Treasury (APY-equivalent) | 8 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.45% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Honor Credit Union on October 22, 2026.
About Honor Credit Union
- Legal name
- Honor Credit Union
- Regulator ID
- NCUA 63004
- Headquarters
- Berrien Springs, MI
- Available in
- MI
- Total assets
- $1.9 billion
- Also known as
- Website
- www.honorcu.com
Source: rates read from https://www.honorcu.com/certificate-of-deposit/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Honor Credit Union?
Among the rates we track, 4.03% APY on an 8-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Honor Credit Union CD?
The lowest minimum we found is $50; jumbo and higher balance tiers start at up to $100,000.
How does Honor Credit Union's best CD rate compare with Treasury yields?
4.03% APY is −0.42% versus the 8-month Treasury yield of 4.45% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.03% a good CD rate?
It is 2.9 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 Honor Credit Union CDs insured?
Honor Credit Union is a federally insured credit union (NCUA 63004). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Honor 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 Honor 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 Honor Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Honor Credit Union before opening an account. This page is not financial advice.