APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.cuone.org/resources/helpful-links/rates/certificate-of-deposit-rates
Read: 2026-10-22T16:21:35.000Z

CD Rates | MI Certificate of Deposit Interest Rates | CUONE
Interest Rate | 4.25%
APY * | 4.33%
Term | Interest Rate | APY *
7 Months † | 4.25% | 4.33%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.25%
APY | 3.30%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 2.50%
APY | 2.53%
Interest Rate | 1.75%
APY | 1.76%
Interest Rate | 1.75%
APY | 1.76%
Interest Rate | 1.85%
APY | 1.87%
Interest Rate | 1.85%
APY | 1.87%
Term | Interest Rate | APY
3 Months | 3.00% | 3.04%
6 Months | 3.25% | 3.30%
12 Months | 3.00% | 3.04%
18 Months | 2.50% | 2.53%
24 Months | 1.75% | 1.76%
36 Months | 1.75% | 1.76%
48 Months | 1.85% | 1.87%
60 Months | 1.85% | 1.87%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.25%
APY | 3.30%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 2.50%
APY | 2.53%
Interest Rate | 1.75%
APY | 1.76%
Interest Rate | 1.75%
APY | 1.76%
Interest Rate | 1.85%
APY | 1.87%
Interest Rate | 1.85%
APY | 1.87%
Term | Interest Rate | APY
3 Months | 3.00% | 3.04%
6 Months | 3.25% | 3.30%
12 Months | 3.00% | 3.04%
18 Months | 2.50% | 2.53%
24 Months | 1.75% | 1.76%
36 Months | 1.75% | 1.76%
48 Months | 1.85% | 1.87%
60 Months | 1.85% | 1.87%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.25%
APY | 3.30%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 2.68%
APY | 2.71%
Interest Rate | 1.85%
APY | 1.87%
Interest Rate | 1.85%
APY | 1.87%
Interest Rate | 1.95%
APY | 1.97%
Interest Rate | 1.95%
APY | 1.97%
Term | Interest Rate | APY
3 Months | 3.00% | 3.04%
6 Months | 3.25% | 3.30%
12 Months | 3.00% | 3.04%
18 Months | 2.68% | 2.71%
24 Months | 1.85% | 1.87%
36 Months | 1.85% | 1.87%
48 Months | 1.95% | 1.97%
60 Months | 1.95% | 1.97%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.25%
APY | 3.30%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 2.15%
APY | 2.17%
Interest Rate | 2.15%
APY | 2.17%
Interest Rate | 2.09%
APY | 2.11%
Interest Rate | 2.09%
APY | 2.11%
Term | Interest Rate | APY
3 Months | 3.00% | 3.04%
6 Months | 3.25% | 3.30%
12 Months | 3.00% | 3.04%
18 Months | 3.00% | 3.04%
24 Months | 2.15% | 2.17%
36 Months | 2.15% | 2.17%
48 Months | 2.09% | 2.11%
60 Months | 2.09% | 2.11%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.25%
APY | 3.30%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.11%
APY | 3.15%
Interest Rate | 2.25%
APY | 2.27%
Interest Rate | 2.25%
APY | 2.27%
Interest Rate | 2.53%
APY | 2.53%
Interest Rate | 2.53%
APY | 2.53%
Term | Interest Rate | APY
3 Months | 3.00% | 3.04%
6 Months | 3.25% | 3.30%
12 Months | 3.00% | 3.04%
18 Months | 3.11% | 3.15%
24 Months | 2.25% | 2.27%
36 Months | 2.25% | 2.27%
48 Months | 2.53% | 2.53%
60 Months | 2.53% | 2.53%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.25%
APY | 3.30%
Interest Rate | 3.00%
APY | 3.04%
Interest Rate | 3.25%
APY | 3.3%
Interest Rate | 2.50%
APY | 2.53%
Interest Rate | 2.50%
APY | 2.53%
Interest Rate | 2.75%
APY | 2.78%
Interest Rate | 2.75%
APY | 2.78%
Term | Interest Rate | APY
3 Months | 3.00% | 3.04%
6 Months | 3.25% | 3.30%
12 Months | 3.00% | 3.04%
18 Months | 3.25% | 3.3%
24 Months | 2.50% | 2.53%
36 Months | 2.50% | 2.53%
48 Months | 2.75% | 2.78%
60 Months | 2.75% | 2.78%
All rates are Annual Percentage Yield (APY). APY is based on an assumption that interest will remain in the account until maturity. Minimum to open is $500. Rates accurate as of October 22, 2026. Upon maturity, the rate for all tiers will default to the current standard rate as published in the rate schedule. Withdrawals and fees may reduce earnings. Early Withdrawal Penalty for fixed term certificates (CDs) and IRAs: Loss of 30 days interest for CDs with a term of 6 months or less; loss of 90 days interest for CDs with a term greater than 6 months or equal to 12 months; loss of 180 days interest for CDs with a term greater than 12 months.