Certificates of Deposit

Opening a Certificate of Deposit (CD) at one of our Michigan branch locations is easy! If you wish, you can schedule an appointment at your preferred location to ensure you're first in line! Walk-ins are welcome Monday - Friday.

If the funds for your CD are not yet on deposit with Adventure, you have the following options:

• Transfer the funds electronically prior to visiting us
• Bring cash, personal check, cashier's check, or money order 

The process for opening a new Certificate of Deposit (CD) online is secure and easy. When you open a CD online, you will need to fund $500 or more from an external payment source such as a bank account.

Existing members should use this application link, then click the option for Existing Members to "Sign In." Use your phone number to sign in. On the "Add a New Account" screen, choose the certificate term that you want, then proceed to funding. To open multiple CDs, you will need to repeat these steps.

Non-members should use this application link to apply for credit union membership and open one or more CD accounts at the same time.

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 3.600% APY*
• 12-month CD at 3.650% APY*
• 18-month CD at 3.700% 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

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.

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