Build Your Own CD Ladder
Split money across multiple CDs
- $500 minimum deposit
- Staggered maturity dates
- Maximize your return
Ladder Your CDs
Don't let changing savings rates determine the future of your money. Step up your savings strategy by building your own CD ladder. Splitting your money across multiple CDs with staggered maturity dates will ensure strong returns in short, medium, and long term.
Short Term Certificates
- 6-month CD at 3.600% APY*
- 12-month CD at 3.650% APY*
- 18-month CD at 3.700% APY*
Mid Term Certificates
- 24-month CD at 3.800% APY*
- 36-month CD at 3.900% APY*
Long Term Certificates
- 48-month CD at 4.100% APY*
- 60-month CD at 4.350% APY*
How to Open Your CDs
Whether you're a long-time member or establishing a brand-new
membership, we make it easy to open your certificates.
- Visit a Michigan branch location for full service.
- Call or text us at 800.323.2129 to open a new CD with funds in your Adventure account.
- Apply online to open a new CD with funds from an external bank account.
*APY = Annual Percentage Yield. Rates valid 10/1/2026 and subject to change without notice. $500 minimum deposit required for each CD. Fees or early withdrawal penalties could reduce earnings.