# Michigan Educational Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/michigan-educational-credit-union
Institution: Michigan Educational Credit Union (NCUA 60931)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:33.000Z (October 22, 2026)
Official source: https://www.michedcu.org/share-certificates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 91 days | $2,500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 182 days | $2,500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 365 days | $2,500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 18 months | $5,000 | 3.30% | Not ZIP-priced | −1.42% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 24 months | $5,000 | 3.40% | Not ZIP-priced | −1.47% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 30 months | $5,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 36 months | $5,000 | 3.65% | Not ZIP-priced | −1.30% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 48 months | $5,000 | 3.75% | Not ZIP-priced | −1.23% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |
| Share Certificate | standard | 60 months | $5,000 | 3.85% | Not ZIP-priced | −1.16% | 2026-10-23T02:10:33.000Z | [Snapshot 862](https://apyledger.com/snapshots/862) |

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.