# University of Michigan Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/university-of-michigan-credit-union
Institution: University Of Michigan Credit Union (NCUA 61552)
Aliases: UMCU
Status: live
Last verified: 2026-10-23T02:11:20.000Z (October 22, 2026)
Official source: https://www.umcu.org/accounts/savings/certificates
Coverage: Membership required. Certificates from 3 to 60 months quoted for $500, $10,000 and $100,000 minimum deposits. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $500 | 4.06% | Not ZIP-priced | −0.24% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 6 months | $100,000 | 2.99% | Not ZIP-priced | −1.41% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 6 months | $10,000 | 2.89% | Not ZIP-priced | −1.51% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 6 months | $500 | 2.78% | Not ZIP-priced | −1.62% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 12 months | $100,000 | 3.82% | Not ZIP-priced | −0.75% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 12 months | $10,000 | 3.66% | Not ZIP-priced | −0.91% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 12 months | $500 | 3.56% | Not ZIP-priced | −1.01% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 24 months | $100,000 | 3.04% | Not ZIP-priced | −1.83% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 24 months | $10,000 | 2.94% | Not ZIP-priced | −1.93% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 24 months | $500 | 2.84% | Not ZIP-priced | −2.03% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 36 months | $100,000 | 3.09% | Not ZIP-priced | −1.86% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 36 months | $10,000 | 2.99% | Not ZIP-priced | −1.96% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 36 months | $500 | 2.89% | Not ZIP-priced | −2.06% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 48 months | $100,000 | 3.14% | Not ZIP-priced | −1.84% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 48 months | $10,000 | 3.04% | Not ZIP-priced | −1.94% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 48 months | $500 | 2.94% | Not ZIP-priced | −2.04% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 60 months | $100,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 60 months | $10,000 | 3.14% | Not ZIP-priced | −1.87% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |
| Certificate | standard | 60 months | $500 | 3.04% | Not ZIP-priced | −1.97% | 2026-10-23T02:11:20.000Z | [Snapshot 882](https://apyledger.com/snapshots/882) |

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.