| Min. | APY** | Div Rate* |
|---|---|---|
| $100 | 1.00% | 0.99% |
**APY=Annual Percentage Yield. Rates may change at any time. Must maintain a minimum daily balance of $100 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. Federally insured by NCUA. Contact us for information about fees and terms that may apply.
Effective Date: July 2, 2025
| CD Type | APY** | Div Rate* | Min. | Details |
|---|---|---|---|---|
| Minimum Investment | Description | |||
| $500 - $99,999 | ||||
| 7 Months | 3.55% | 3.49% | $500 | Good for funds already at FCU and new funds. |
| 13 Months | 3.40% | 3.35% | $500 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.45% | 3.40% | $500 | Good for funds new to FCU only. |
| $100,000 - $149,000 | ||||
| 7 Months | 3.66% | 3.60% | $100,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.45% | 3.40% | $100,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.51% | 3.45% | $100,000 | Good for funds new to FCU only |
| $150,000 - $249,999 | ||||
| 7 Months | 3.87% | 3.80% | $150,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.55% | 3.49% | $150,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.61% | 3.55% | $150,000 | Good for funds new to FCU only |
| $250,000 - and up | ||||
| 7 Months | 4.08% | 4.00% | $250,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.75% | 3.69% | $250,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.82% | 3.75% | $250,000 | Good for funds new to FCU only |
| Livestock Fair CD | ||||
| 8 Months | 5.00% | 4.89% | $500 | ****Only for youth who sold livestock during county fairs. See disclosure for details. |
**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. 19 Month Bump CD for new to FCU money only. ****Only for youth who sold livestock during county fairs in 2025. Must be new to FCU money with check coming from: Saginaw County Fair, Treasurer of Genesee County Fair, Marlette Livestock, Tuscola Small Livestock, United Producers, Huron Fair Board, Bay County Fair & Youth Expo, MSU, Shiawassee County Fair or Ogemaw County Fair. If livestock check is not $500 or more, personal funds may be added to bring the CD amount to $500, as long as the entire livestock check is used.
Effective Date: July 2, 2025
*APY=Annual Percentage Yield. Rate effective as of 9/1/2022. Rates may change at any time. Must maintain a minimum daily balance of $100 to obtain the disclosed APY. Members will forfeit dividends if accounts closed before accrued dividends are posted. Account approval, qualifications, limits and other requirements may apply. Federally insured by NCUA. Contact us for information about fees and terms that may apply.
On Computer, Phone, App:
On Computer, Phone, App:
- Login to Online Banking
- Choose: New Accounts (Choose More on APP)
- Choose: Open New Savings
- Select: Savings Type
How to weather an economic storm.
Are you concerned with the future and how your finances and retirement will hold up in uncertain times?
