Certificates of Deposit

Building a CD ladder can be a useful tactic to personalize your savings strategy. CD laddering involves buying CDs that mature at staggered dates, rather than a single long-term CD. For example:

• 6-month CD at 3.750% APY*
• 12-month CD at 4.000% APY*
• 18-month CD at 4.050% APY*

Schedule an appointment to build your CD ladder at your local Adventure branch.

CD laddering addresses common concerns that savers have, such as: what if rates increase while my money is locked in? What if an emergency happens and I need cash?

The laddering strategy provides several benefits:

• Liquidity: Your cash will be available to you at frequent intervals
• Flexibility: You can decide how you want to split up your investments
• Better interest rates: You’ll be able to choose longer-term CDs with higher rates and still have certificates maturing on a regular basis
• Peace of mind: If interest rates go up, you’ll have cash to invest in new CDs. And if rates fall, you still have money invested in long-term CDs that come with higher rates

The process for opening a new CD online is virtually the same for existing Adventure Credit Union members and for people across Michigan who have not yet become members.  

Existing members should use this application link and follow the steps below.

Non-members should use this application link to apply for credit union membership and open a new CD at the same time by following the steps below.

Step one:
Click on the "Certificate Accounts" tab under the Available Products heading. Click the + symbol next to the CD type you wish to open. Scroll down and click "Continue" at the bottom of the page.

Step two:
Fill in the required (*) personal information on the “Tell Us About Yourself” page. Then click the “Continue” button at the bottom of the page.

Step three:
On the “Funding” page – decide how much money you want to deposit in your new CD. Next, decide how you want to fund your new CD. If your funds are already on deposit with Adventure Credit Union, choose the “Internal Transfer” option. If you need to move funds from another financial institution, you have multiple options.

Step four:
Lastly, on the “Review and Submit” page, review the required disclosures, check the boxes to show your consent, then click the “I agree” button.

If you are not yet a member of Adventure Credit Union, don't worry! Joining the credit union to take advantage of our high yield CD rates is easy. In fact, you can open your credit union membership and certificate of deposit account at the same time entirely online with our secure Membership application. Becoming a member only requires a $5 share deposit.

Adventure Credit Union is open to anyone who lives, works, worships, or attends school in the State of Michigan.

Have questions for us? 

Click the "Chat with Us!" button or text us at 800.323.2129 between 9am - 5pm, Monday - Friday. After-hours, please call us at 800.323.2129.

Who is Adventure Credit Union?

Adventure Credit Union is a trusted financial guide for people who live, work, worship, or attend school in the Greater Grand Rapids and Lansing communities. We are a not-for-profit, owned by our depositors with a mission of putting people first. We serve more than 30,000 credit union members and manage over $430 million in assets. Being locally owned and operated gives us insight into the personal financial decisions families and small businesses face every day. We provide affordable, high quality, and consumer-friendly banking services that help people live the lives they want to live.

How do I join?

If you want to open a new CD, you have options:

1. Apply online for membership & a new CD
2. Walk-in to an Adventure branch location
3. Schedule an appointment that fits your schedule