CD SPECIALS
APY* $250K Min.
4.08%
APY* $500-$99K
3.16%
APY* $500-$99K
3.57%
APY* $250K Min.
3.67%
| CD Type | APY** | Div Rate* | Min. | Details |
|---|---|---|---|---|
| Minimum Investment | Description | |||
| $500 - $99,999 | ||||
| 5 Months | 3.57% | 3.51% | $500 | Good for funds already at FCU and new funds. |
| 13 Months | 3.26% | 3.21% | $500 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.16% | 3.11% | $500 | Good for funds new to FCU only. |
| $100,000 - $149,000 | ||||
| 5 Months | 3.77% | 3.71% | $100,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.35% | 3.30% | $100,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.31% | 3.26% | $100,000 | Good for funds new to FCU only |
| $150,000 - $249,999 | ||||
| 5 Months | 3.98% | 3.91% | $150,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.46% | 3.41% | $150,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.46% | 3.41% | $150,000 | Good for funds new to FCU only |
| $250,000 - and up | ||||
| 5 Months | 4.08% | 4.00% | $250,000 | Good for funds already at FCU and new funds. |
| 13 Months | 3.66% | 3.60% | $250,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump*** | 3.67% | 3.61% | $250,000 | Good for funds new to FCU only |
| Livestock Fair CD | ||||
| 7 Months | 5.25% | 5.13% | $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 2024. 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, 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: December 21, 2024
| Term | APY** | Div Rate* |
|---|---|---|
| $500 - $99,999 Term | ||
| 3 Months | 1.30% | 1.29% |
| 6 Months | 1.35% | 1.34% |
| 9 Months | 1.50% | 1.49% |
| 12 Months | 1.60% | 1.59% |
| 18 Months | 1.65% | 1.64% |
| 24 Months | 1.70% | 1.69% |
| 30 Months | 1.80% | 1.78% |
| 36 Months | 1.85% | 1.83% |
| 36 Month Bump*** | 1.85% | 1.83% |
| 48 Months | 1.90% | 1.88% |
| 60 Months | 2.03% | 2.03% |
| 60 Month Bump*** | 2.03% | 2.03% |
| $100,000 - $149,000 Term | ||
| 3 Months | 1.35% | 1.34% |
| 6 Months | 1.40% | 1.39% |
| 9 Months | 1.55% | 1.54% |
| 12 Months | 1.65% | 1.64% |
| 18 Months | 1.70% | 1.69% |
| 24 Months | 1.75% | 1.74% |
| 30 Months | 1.85% | 1.83% |
| 36 Months | 1.90% | 1.90% |
| 36 Month Bump*** | 1.90% | 1.90% |
| 48 Months | 1.95% | 1.93% |
| 60 Months | 2.10% | 2.08% |
| 60 Month Bump*** | 2.10% | 2.08% |
| $150,000 - $249,000 Term | ||
| 3 Months | 1.40% | 1.39% |
| 6 Months | 1.45% | 1.44% |
| 9 Months | 1.60% | 1.59% |
| 12 Months | 1.70% | 1.69% |
| 18 Months | 1.75% | 1.74% |
| 24 Months | 1.81% | 1.79% |
| 30 Months | 1.90% | 1.88% |
| 36 Months | 1.95% | 1.93% |
| 36 Month Bump*** | 1.95% | 1.93% |
| 48 Months | 2.00% | 1.98% |
| 60 Months | 2.15% | 2.13% |
| 60 Month Bump*** | 2.15% | 2.13% |
| $250,000 and up Term | ||
| 3 Months | 1.45% | 1.44% |
| 6 Months | 1.50% | 1.49% |
| 9 Months | 1.65% | 1.64% |
| 12 Months | 1.75% | 1.74% |
| 18 Months | 1.81% | 1.79% |
| 24 Months | 1.85% | 1.83% |
| 30 Months | 1.95% | 1.93% |
| 36 Months | 2.00% | 1.98% |
| 36 Month Bump*** | 2.00% | 1.98% |
| 48 Months | 2.05% | 2.03% |
| 60 Months | 2.20% | 2.18% |
| 60 Month Bump*** | 2.20% | 2.18% |
*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 21, 2024
*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 CD Special: it can be done once anytime during the life of the CD to FCU’s current rates. Will auto renew as a non-bump CD. 19 Month CD Special is for New-to-FCU money only. Federally insured by NCUA.
On Computer, Phone, App:
- Login to Online Banking
- Choose Purchase New Certificate
- Click More Info
- Select CD Type
For CD Specials and NEW Money Only CDs
- Call or text 989.497.1600 -OR-
- Ask an FCU representative the next time you stop by a branch
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