Michigan Educational Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Michigan Educational Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 365-day CD ($2,500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 4.00% APY.
Tracking began .
Michigan Educational Credit Union CD & share certificate rates
Membership required. Share certificates from 91 days to 60 months; terms up to 12 months require $2,500 and longer terms $5,000. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 91 days | Share Certificate | $2,500 | 2.50% | −1.79% | Top 61% of tracked 91-day CDs · Verified October 22, 2026 |
| 182 days | Share Certificate | $2,500 | 3.50% | −0.90% | Verified October 22, 2026 |
| 365 days | Share Certificate | $2,500 | 4.00% | −0.57% | Top 28% of tracked 365-day CDs · Verified October 22, 2026 |
| 18 months | Share Certificate | $5,000 | 3.30% | −1.42% | Top 59% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $5,000 | 3.40% | −1.47% | Top 54% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Share Certificate | $5,000 | 3.50% | −1.41% | Verified October 22, 2026 |
| 36 months | Share Certificate | $5,000 | 3.65% | −1.30% | Top 34% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $5,000 | 3.75% | −1.23% | Top 26% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $5,000 | 3.85% | −1.16% | Top 25% of tracked 60-month CDs · Verified 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.
What are Michigan Educational Credit Union's best CD rates by term?
Michigan Educational Credit Union's best rate is 4.00% APY on 365 days, verified October 22, 2026.
- 91 days2.50%
- 182 days3.50%
- 365 days4.00%
- 18 mo3.30%
- 24 mo3.40%
- 30 mo3.50%
- 36 mo3.65%
- 48 mo3.75%
- 60 mo3.85%
How much interest could a Michigan Educational 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.
$400.00 interest · $10,400.00 at maturity on $10,000.00.
4.00% APY · 365 days · Share Certificate · Standard · 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 |
|---|---|---|---|---|
| 91 days | $30.882.50% APY · Share Certificate · Standard | $61.752.50% APY · Share Certificate · Standard | $154.382.50% APY · Share Certificate · Standard | $308.762.50% APY · Share Certificate · Standard |
| 182 days | $86.513.50% APY · Share Certificate · Standard | $173.023.50% APY · Share Certificate · Standard | $432.543.50% APY · Share Certificate · Standard | $865.083.50% APY · Share Certificate · Standard |
| 365 days | $200.004.00% APY · Share Certificate · Standard | $400.004.00% APY · Share Certificate · Standard | $1,000.004.00% APY · Share Certificate · Standard | $2,000.004.00% APY · Share Certificate · Standard |
| 18 months | $249.763.30% APY · Share Certificate · Standard | $499.533.30% APY · Share Certificate · Standard | $1,248.823.30% APY · Share Certificate · Standard | $2,497.643.30% APY · Share Certificate · Standard |
| 24 months | $345.783.40% APY · Share Certificate · Standard | $691.563.40% APY · Share Certificate · Standard | $1,728.903.40% APY · Share Certificate · Standard | $3,457.803.40% APY · Share Certificate · Standard |
| 30 months | $449.313.50% APY · Share Certificate · Standard | $898.623.50% APY · Share Certificate · Standard | $2,246.543.50% APY · Share Certificate · Standard | $4,493.083.50% APY · Share Certificate · Standard |
| 36 months | $567.733.65% APY · Share Certificate · Standard | $1,135.453.65% APY · Share Certificate · Standard | $2,838.633.65% APY · Share Certificate · Standard | $5,677.273.65% APY · Share Certificate · Standard |
| 48 months | $793.253.75% APY · Share Certificate · Standard | $1,586.503.75% APY · Share Certificate · Standard | $3,966.263.75% APY · Share Certificate · Standard | $7,932.523.75% APY · Share Certificate · Standard |
| 60 months | $1,039.523.85% APY · Share Certificate · Standard | $2,079.043.85% APY · Share Certificate · Standard | $5,197.613.85% APY · Share Certificate · Standard | $10,395.213.85% APY · Share Certificate · Standard |
How Michigan Educational 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 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 81 of 369 tracked institutions with fresh 365-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Michigan Educational Credit Union (this institution)Share Certificate · Standard | 365 days | $2,500 | Membership required · branches in MI | 4.00% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 365 days (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Michigan Educational Credit Union on October 22, 2026.
About Michigan Educational Credit Union
- Legal name
- Michigan Educational Credit Union
- Regulator ID
- NCUA 60931
- Headquarters
- Plymouth, MI
- Available in
- MI
- Total assets
- $1.1 billion
- Also known as
- Website
- www.michedcu.org
Source: rates read from https://www.michedcu.org/share-certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Michigan Educational Credit Union?
Among the rates we track, 4.00% APY on a 365-day CD, as of October 22, 2026.
What is the minimum deposit for a Michigan Educational Credit Union CD?
The lowest minimum we found is $2,500; jumbo and higher balance tiers start at up to $5,000.
How does Michigan Educational Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.57% versus the 365-day Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 Michigan Educational Credit Union CDs insured?
Michigan Educational Credit Union is a federally insured credit union (NCUA 60931). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Michigan Educational 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 Michigan Educational 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 Michigan Educational Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Michigan Educational Credit Union before opening an account. This page is not financial advice.