Member Specials
CD Special
21 Months
5.00%
APY*Â $250k & Up
BUMP CD
19 Months
4.15%
APY* New Money Only
CD Special
21 Months
4.00%
APY* $500 – $99,999
CD SPECIAL
33 Months
3.81%
APY*** Select Locations Only
CD SPECIAL
13 Months
3.43%
APY* $500 – $99,999
CD SPECIAL
7 Months
3.30%
APY* New Money Only
Current rates
APY* up to $15k
3.00%
APY* up to $50k
3.00%
up to $200*
5.00%
APY* Liquid Account
1.00%
| CD Type | APY* | Div Rate** | Min. | Details |
|---|---|---|---|---|
| Minimum Investment | Description | |||
| $500 - $99,999 | ||||
| 7 Months | 3.30% | 3.25% | $500 | Good for funds new to FCU only |
| 13 Months | 3.43% | 3.38% | $500 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.15% | 4.07% | $500 | Good for funds new to FCU only. |
| 21 Months | 4.00% | 3.93% | $500 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.81% | 3.74% | $500 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
| $100,000 - $149,000 | ||||
| 7 Months | 3.60% | 3.54% | $100,000 | Good for funds new to FCU only |
| 13 Months | 3.48% | 3.43% | $100,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.20% | 4.12% | $100,000 | Good for funds new to FCU only |
| 21 Months | 4.25% | 4.17% | $100,000 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.85% | 3.78% | $100,000 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
| $150,000 - $249,999 | ||||
| 7 Months | 3.90% | 3.83% | $150,000 | Good for funds new to FCU only |
| 13 Months | 3.53% | 3.47% | $150,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.25% | 4.17% | $150,000 | Good for funds new to FCU only |
| 21 Months | 4.61% | 4.51% | $150,000 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.90% | 3.83% | $150,000 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
| $250,000 - and up | ||||
| 7 Months | 4.20% | 4.12% | $250,000 | Good for funds new to FCU only |
| 13 Months | 3.58% | 3.52% | $250,000 | Good for funds already at FCU and new funds. |
| 19 Month Bump** | 4.30% | 4.22% | $250,000 | Good for funds new to FCU only |
| 21 Months | 5.00% | 4.89% | $250,000 | Good for funds already at FCU and new funds. |
| 33 Months*** | 3.95% | 3.88% | $250,000 | Good for funds new to FCU only, CD must be opened in person at branches listed below. |
*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: March 24, 2023
| Term | APY** | Div Rate* |
|---|---|---|
| $500 - $99,999 Term | ||
| 3 Months | 1.30% | 1.29% |
| 6 Months | 1.35% | 1.34% |
| 9 Months | 1.75% | 1.74% |
| 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 | 1.81% | 1.79% |
| 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 | 1.85% | 1.83% |
| 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 | 1.90% | 1.88% |
| 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: March 24, 2023
*APY = Annual Percentage Yield. Contact us for more information. 7 and 19 month CD Specials for new to FCU money only. Requires $500 minimum investment for a Certificate of Deposit. 21 Month CD Special 5.0%APY* requires $250,000 minimum investment. 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 effective March 21, 2023 and are 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.
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