# Michigan Schools and Government Credit Union CD and share certificate rates

As of October 22, 2026, Michigan Schools and Government Credit Union's highest tracked CD (share certificate) rate is 2.25% APY on a 24-month CD ($250 minimum). That is 1.5 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.50% to 2.25% APY.

Canonical page: https://apyledger.com/cd-rates/michigan-schools-and-government-credit-union
Institution: Michigan Schools And Government Credit Union (NCUA 62049)
Aliases: MSGCU
Status: live
Last verified: 2026-10-23T02:10:38.000Z (October 22, 2026)
Official source: https://www.msgcu.org/high-rate-cd
Coverage: Membership required. Grow-With-Me CDs (6 months to 2 years) with a $250 minimum average daily balance; CDs renew automatically. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Grow-With-Me CD | standard | 6 months | $250 | 1.50% | Not ZIP-priced | −2.90% | 2026-10-23T02:10:38.000Z | [Snapshot 863](https://apyledger.com/snapshots/863) |
| Grow-With-Me CD | standard | 12 months | $250 | 1.75% | Not ZIP-priced | −2.82% | 2026-10-23T02:10:38.000Z | [Snapshot 863](https://apyledger.com/snapshots/863) |
| Grow-With-Me CD | standard | 24 months | $250 | 2.25% | Not ZIP-priced | −2.62% | 2026-10-23T02:10:38.000Z | [Snapshot 863](https://apyledger.com/snapshots/863) |

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.