University of Michigan Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, University of Michigan Credit Union's highest tracked CD (share certificate) rate is 4.06% APY on a 3-month CD ($500 minimum). That is 3.6 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 2.78% to 4.06% APY.
Tracking began .
University of Michigan Credit Union CD & share certificate rates
Membership required. Certificates from 3 to 60 months quoted for $500, $10,000 and $100,000 minimum deposits. 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.
What are University of Michigan Credit Union's best CD rates by term?
University of Michigan Credit Union's best rate is 4.06% APY on 3 months, verified October 22, 2026.
- 3 mo4.06%
- 6 mo2.99%
- 12 mo3.82%
- 24 mo3.04%
- 36 mo3.09%
- 48 mo3.14%
- 60 mo3.25%
How much interest could a University of Michigan 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.
$99.71 interest · $10,099.71 at maturity on $10,000.00.
4.06% APY · 3 months · 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 |
|---|---|---|---|---|
| 3 months | $49.864.06% APY · Certificate · Standard | $99.714.06% APY · Certificate · Standard | $249.294.06% APY · Certificate · Standard | $498.574.06% APY · Certificate · Standard |
| 6 months | $69.212.78% APY · Certificate · Standard | $143.872.89% APY · Certificate · Standard | $359.672.89% APY · Certificate · Standard | $719.332.89% APY · Certificate · Standard |
| 12 months | $178.003.56% APY · Certificate · Standard | $366.003.66% APY · Certificate · Standard | $915.003.66% APY · Certificate · Standard | $1,830.003.66% APY · Certificate · Standard |
| 24 months | $288.032.84% APY · Certificate · Standard | $596.642.94% APY · Certificate · Standard | $1,491.612.94% APY · Certificate · Standard | $2,983.222.94% APY · Certificate · Standard |
| 36 months | $446.152.89% APY · Certificate · Standard | $924.092.99% APY · Certificate · Standard | $2,310.222.99% APY · Certificate · Standard | $4,620.442.99% APY · Certificate · Standard |
| 48 months | $614.442.94% APY · Certificate · Standard | $1,272.583.04% APY · Certificate · Standard | $3,181.453.04% APY · Certificate · Standard | $6,362.913.04% APY · Certificate · Standard |
| 60 months | $807.633.04% APY · Certificate · Standard | $1,671.743.14% APY · Certificate · Standard | $4,179.353.14% APY · Certificate · Standard | $8,358.703.14% APY · Certificate · Standard |
How University of Michigan 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 91-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 232 tracked institutions with fresh 91-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 |
|---|---|---|---|---|---|
| University of Michigan Credit Union (this institution)Certificate · Standard | 3 months | $500 | Membership required · branches in MI | 4.06% | October 22, 2026 |
| Dow Credit UnionSimple CD · Standard | 3 months | $500 | Membership required · branches in MI | 4.35% | October 22, 2026 |
| Popular DirectCD · Standard | 3 months | $10,000 | Available nationwide | 4.30% | October 22, 2026 |
| Bask BankCertificate of Deposit · Standard | 3 months | $1,000 | Available nationwide | 4.10% | October 22, 2026 |
| Newtek Bank (highest tracked APY for this term)Certificate of Deposit · Standard | 3 months | $2,500 | Branches in FL | 4.60% | October 22, 2026 |
| Treasury (APY-equivalent) | 3 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.29% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking University of Michigan Credit Union on October 22, 2026.
About University of Michigan Credit Union
- Legal name
- University Of Michigan Credit Union
- Regulator ID
- NCUA 61552
- Headquarters
- Ann Arbor, MI
- Available in
- MI
- Total assets
- $1.5 billion
- Also known as
- UMCU
- Website
- www.umcu.org
Source: rates read from https://www.umcu.org/accounts/savings/certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at University of Michigan Credit Union?
Among the rates we track, 4.06% APY on a 3-month CD, as of October 22, 2026.
What is the minimum deposit for a University of Michigan Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does University of Michigan Credit Union's best CD rate compare with Treasury yields?
4.06% APY is −0.24% versus the 3-month Treasury yield of 4.29% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.06% a good CD rate?
It is 3.6 times the FDIC national average for a similar term (1.14% 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 University of Michigan Credit Union CDs insured?
University of Michigan Credit Union is a federally insured credit union (NCUA 61552). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at University of Michigan 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 University of Michigan 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 University of Michigan Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with University of Michigan Credit Union before opening an account. This page is not financial advice.