19 Month Bump CD Special

19-Month Bump CD Special-For a limited time only! Get a 19-Month CD and get 3.16% APY*. Do you have inflation expectations? Looking for a way to save and earn interest at a great rate? Open a 19-Month Bump CD and start earning 3.16% APY*. 19-Month Bump CD Special is for New-to-FCU money only. Requires minimum of $500 to open.

Earn the most interest on a shorter term Certificate of Deposit (CD) at Frankenmuth Credit Union. Our 19-month Bump CD is a great option to 'weather the economic storm'. Our CD Special pays you a premium rate of 3.16% APY* because you are promising to keep your funds in this account for 19 months. And, you can get a 1/4% better rate when you are a Platinum or Gold VIP-Value in Participation-member. When you have a CD your investment is also federally insured up to $250,000. Our CD Special is for new-to-FCU money only and requires a minimum of only $500 to open. This 19 Month Bump CD Special has the option to change the rate to a future current rate once per CD term. Contact us today or visit a branch location to get started.

CD SPECIALS

APY* New Funds

2.30%

APY*** New Funds

3.55%

APY* New/Current Funds

2.68%

APY* New/Current Funds

2.43%

CD TypeAPY*Div Rate**Min.Details
Minimum InvestmentDescription
$500 - $99,999
7 Months2.30%2.28%$500Good for funds new to FCU only
13 Months2.43%2.40%$500Good for funds already at FCU and new funds.
19 Month Bump**3.16%3.11%$500Good for funds new to FCU only.
21 Months2.68%2.65%$500Good for funds already at FCU and new funds.
33 Months***3.55%3.49%$500Good for funds new to FCU only,
CD must be opened in person at branches listed below.
$100,000 - $149,000
7 Months2.30%2.28%$100,000Good for funds new to FCU only
13 Months2.48%2.45%$100,000Good for funds already at FCU and new funds.
19 Month Bump**3.20%3.15%$100,000Good for funds new to FCU only
21 Months2.73%2.70%$100,000Good for funds already at FCU and new funds.
33 Months***3.60%3.54%$100,000Good for funds new to FCU only,
CD must be opened in person at branches listed below.
$150,000 - $249,999
7 Months2.30%2.28%$150,000Good for funds new to FCU only
13 Months2.53%2.50%$150,000Good for funds already at FCU and new funds.
19 Month Bump**3.25%3.20%$150,000Good for funds new to FCU only
21 Months2.78%2.74%$150,000Good for funds already at FCU and new funds.
33 Months***3.65%3.59%$150,000Good for funds new to FCU only,
CD must be opened in person at branches listed below.
$250,000 - and up
7 Months2.30%2.28%$250,000Good for funds new to FCU only
13 Months2.58%2.55%$250,000Good for funds already at FCU and new funds.
19 Month Bump**3.30%3.25%$250,000Good for funds new to FCU only
21 Months2.83%2.79%$250,000Good for funds already at FCU and new funds.
33 Months***3.70%3.64%$250,000Good for funds new to FCU only,
CD must be opened in person at branches listed below.
Youth County Fair Livestock Auction CD
7 Months3.00%2.96%Only for youth who sold livestock during county fairs.
Must bring in check from livestock sale. Must be money new to FCU.
*APY = Annual Percentage Yield. Contact us for more information. Requires $500 minimum investment for a Certificate of Deposit. Rates may differ depending on the amount investing. Members will forfeit dividends if accounts closed before accrued dividends are posted. Substantial penalty for early withdrawals. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal. VIP=Value In Participation: VIP Gold or Platinum members get 1/4% monthly interest bonus on CD's & certain loans that have taken out since Sept. 2003. Birthday cards do not qualify to take advantage of CD specials, which include odd termed CD offers under the CD SPECIALS title. **19 Month Bump CD Rate can be changed once any time during the term of the CD to FCU’s current rate. Will auto renew as a non-bump cd. ***33 month CD new to FCU money only and must be opened in person at the following branch locations only: Owosso, West Branch Meijer, Tittabawassee Meijer, Gratiot Meijer, Pigeon or Harbor Beach.7 Month CD and 19 Month Bump CD for new to FCU money only.

Effective Date: December 9, 2022


TermAPY**Div Rate*
$500 - $99,999 Term
3 Months.55%.55%
6 Months.60%.60%
9 Months1.00%.99%
12 Months.85%.85%
18 Months.90%.90%
24 Months.95%.95%
30 Months1.05%1.04%
36 Months1.10%1.09%
36 Month Bump***1.10%1.09%
48 Months1.15%1.14%
60 Months1.30%1.29%
60 Month Bump***1.30%1.29%
$100,000 - $149,000 Term
3 Months.60%.60%
6 Months.65%.65%
9 Months1.05%1.04%
12 Months.90%.90%
18 Months.95%.95%
24 Months1.00%1.00%
30 Months1.10%1.09%
36 Months1.15%1.14%
36 Month Bump***1.15%1.14%
48 Months1.20%1.19%
60 Months1.35%1.34%
60 Month Bump***1.35%1.34%
$150,000 - $249,000 Term
3 Months.65%.65%
6 Months.70%.70%
9 Months1.10%1.09%
12 Months.95%.95%
18 Months1.00%1.00%
24 Months1.05%1.04%
30 Months1.15%1.14%
36 Months1.20%1.19%
36 Month Bump***1.20%1.19%
48 Months1.25%1.24%
60 Months1.40%1.39%
60 Month Bump***1.40%1.39%
$250,000 and up Term
3 Months.70%.70%
6 Months.75%.75%
9 Months1.15%1.14%
12 Months1.00%.99%
18 Months1.05%1.04%
24 Months1.10%1.09%
30 Months1.20%1.19%
36 Months1.25%1.24%
36 Month Bump***1.25%1.24%
48 Months1.30%1.29%
60 Months1.45%1.44%
60 Month Bump***1.45%1.44%
*Require $500 minimum investment for a Certificate of Deposit under $100,000. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal or closing. **APY = Annual Percentage Yield. Members would forfeit dividends if accounts closed before accrued dividends are posted. Contact us for more information. ***Bump CD's have option to change rate to current rate once per CD term.

Effective Date: December 9, 2022

*Require $500 minimum investment for a Certificate of Deposit. Rates may differ depending on the amount investing. Members will forfeit dividends if accounts closed before accrued dividends are posted. Substantial penalty for early withdrawals. Rates subject to change. Investment fully insured under the NCUA guidelines. Penalty for early withdrawal. **APY = Annual Percentage Yield. Contact us for more information. VIP=Value In Participation: VIP Gold or Platinum members get 1/4% monthly interest bonus on CD’s and certain loans that have taken out since Sept. 2003. Birthday cards do not qualify to take advantage of CD specials, which include odd termed CD offers under the CD SPECIALS title. For 19 Month Bump: it can be done once anytime during the term of the CD to FCU’s current rate. Will auto renew as a non-bump CD. 19 Month Bump CD Special is for New-to-FCU money only. Federally insured by NCUA.

On Computer, Phone, App:

  • Call or text 989.497.1600 -OR-
  • Ask an FCU representative the next time you stop by a branch
How to weather an economic storm.
Are you concerned with the future and how your finances and retirement will hold up in uncertain times?
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