Certificate of Deposit Rates

Certificate of Deposit Rates

Lock into higher rates for extra earning power

Certificates of Deposit are versatile financial tools that allow you to save for anywhere from three months to five years. No matter which one you choose, you'll enjoy higher rates - with bigger balances featuring even more earning potential.

Certificate of Deposit Rates ($500-$2,499)
Effective Date: October 23, 2024
3 Months
Interest Rate 3.50%
APY 3.56%
6 Months
Interest Rate 4.00%
APY 4.07%
12 Months
Interest Rate 3.25%
APY 3.29%
18 Months
Interest Rate 2.50%
APY 2.53%
24 Months
Interest Rate 1.75%
APY 1.76%
36 Months
Interest Rate 1.75%
APY 1.76%
48 Months
Interest Rate 1.85%
APY 1.87%
60 Months
Interest Rate 1.85%
APY 1.87%
Term Interest Rate APY
3 Months3.50%3.56%
6 Months4.00%4.07%
12 Months3.25%3.29%
18 Months2.50%2.53%
24 Months1.75%1.76%
36 Months1.75%1.76%
48 Months1.85%1.87%
60 Months1.85%1.87%
Certificate of Deposit Rates ($2,500-$9,999)
Effective Date: October 23, 2024
3 Months
Interest Rate 3.50%
APY 3.56%
6 Months
Interest Rate 4.00%
APY 4.07%
12 Months
Interest Rate 3.25%
APY 3.29%
18 Months
Interest Rate 2.50%
APY 2.53%
24 Months
Interest Rate 1.75%
APY 1.76%
36 Months
Interest Rate 1.75%
APY 1.76%
48 Months
Interest Rate 1.85%
APY 1.87%
60 Months
Interest Rate 1.85%
APY 1.87%
Term Interest Rate APY
3 Months3.50%3.56%
6 Months4.00%4.07%
12 Months3.25%3.29%
18 Months2.50%2.53%
24 Months1.75%1.76%
36 Months1.75%1.76%
48 Months1.85%1.87%
60 Months1.85%1.87%
Certificate of Deposit Rates ($10,000-$24,999)
Effective Date: October 23, 2024
3 Months
Interest Rate 3.50%
APY 3.56%
6 Months
Interest Rate 4.00%
APY 4.07%
12 Months
Interest Rate 3.25%
APY 3.29%
18 Months
Interest Rate 2.68%
APY 2.71%
24 Months
Interest Rate 1.85%
APY 1.87%
36 Months
Interest Rate 1.85%
APY 1.87%
48 Months
Interest Rate 1.95%
APY 1.97%
60 Months
Interest Rate 1.95%
APY 1.97%
Term Interest Rate APY
3 Months3.50%3.56%
6 Months4.00%4.07%
12 Months3.25%3.29%
18 Months2.68%2.71%
24 Months1.85%1.87%
36 Months1.85%1.87%
48 Months1.95%1.97%
60 Months1.95%1.97%
Certificate of Deposit Rates ($25,000-$49,999)
Effective Date: October 23, 2024
3 Months
Interest Rate 3.50%
APY 3.56%
6 Months
Interest Rate 4.00%
APY 4.07%
12 Months
Interest Rate 3.25%
APY 3.29%
18 Months
Interest Rate 3.00%
APY 3.04%
24 Months
Interest Rate 2.15%
APY 2.17%
36 Months
Interest Rate 2.15%
APY 2.17%
48 Months
Interest Rate 2.09%
APY 2.11%
60 Months
Interest Rate 2.09%
APY 2.11%
Term Interest Rate APY
3 Months3.50%3.56%
6 Months4.00%4.07%
12 Months3.25%3.29%
18 Months3.00%3.04%
24 Months2.15%2.17%
36 Months2.15%2.17%
48 Months2.09%2.11%
60 Months2.09%2.11%
Certificate of Deposit Rates ($50,000-$99,999)
Effective Date: October 23, 2024
3 Months
Interest Rate 3.50%
APY 3.56%
6 Months
Interest Rate 4.00%
APY 4.07%
12 Months
Interest Rate 3.25%
APY 3.29%
18 Months
Interest Rate 3.11%
APY 3.15%
24 Months
Interest Rate 2.25%
APY 2.27%
36 Months
Interest Rate 2.25%
APY 2.27%
48 Months
Interest Rate 2.53%
APY 2.53%
60 Months
Interest Rate 2.53%
APY 2.53%
Term Interest Rate APY
3 Months3.50%3.56%
6 Months4.00%4.07%
12 Months3.25%3.29%
18 Months3.11%3.15%
24 Months2.25%2.27%
36 Months2.25%2.27%
48 Months2.53%2.53%
60 Months2.53%2.53%
Certificate of Deposit Rates ($100,000+)
Effective Date: October 23, 2024
3 Months
Interest Rate 3.50%
APY 3.56%
6 Months
Interest Rate 4.00%
APY 4.07%
12 Months
Interest Rate 3.25%
APY 3.29%
18 Months
Interest Rate 3.25%
APY 3.3%
24 Months
Interest Rate 2.50%
APY 2.53%
36 Months
Interest Rate 2.50%
APY 2.53%
48 Months
Interest Rate 2.75%
APY 2.78%
60 Months
Interest Rate 2.75%
APY 2.78%
Term Interest Rate APY
3 Months3.50%3.56%
6 Months4.00%4.07%
12 Months3.25%3.29%
18 Months3.25%3.3%
24 Months2.50%2.53%
36 Months2.50%2.53%
48 Months2.75%2.78%
60 Months2.75%2.78%
Run The Numbers

See how your money can grow over time.

Credit Union ONE is a full-service financial institution with locations in Southeast Michigan, Davison, MI, Traverse City, MI, and Grand Rapids, MI.

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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 November 18, 2024. 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.

The calculator tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.