Certificates of Deposit

Open a CD and maximize your savings.

Not a member yet? Apply for Membership.

  • Easy to Open
    Easy to Open

    Start saving with a $500 minimum deposit.

  • Various Terms
    Various Terms

    The longer your term, the more you'll earn.

  • Solid Growth
    Solid Growth

    Get more for your money by keeping it deposited until the CD matures.

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High-yield & free, with advantages
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Our Michigan Credit Union CD Rates Help Members Save More

Featured Rates:

  • 6-month CD at 4.250% APY*
  • 12-month CD at 4.500% APY*
  • 18-month CD at 4.650% APY*
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A solid financial portfolio includes a variety of accounts, and our low-risk Certificates of Deposit provide guaranteed returns on your money. CDs earn higher yields than other personal savings accounts, and they're ideal when you can keep your money on deposit for a year or longer.

See how much interest you can earn with CDs whose terms range from 6 to 60 months, each with different Annual Percentage Yields that can help you reach your goals quicker.
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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 5.00% APY*
- 12-month CD at 5.15% APY*
- 18-month CD at 5.00% APY*

Schedule an appointment to build your CD ladder at your local Adventure branch.  Or learn more about opening new CDs online.
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
Don't forget to Schedule an appointment at your local Adventure branch to get started with your CD ladder!

If you are not yet a member of Adventure Credit Union, you are still welcome to take advantage of our special CD rates.  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 following counties: Allegan, Barry, Clinton, Eaton, Ingham, Kent, Livingston, Newaygo, Ottawa, and Shiawassee.

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?

Simply put, we're like a bank but better!  Like a bank, we offer financial services: personal loans, mortgages, savings accounts, checking accounts, and more.  Unlike a bank, we're a not-for-profit organization owned by our members.  This means, we work in the best interest of our members (i.e., accountholders) rather than investors.  Our non-profit status allows us to offer the best rates and keep our account fees to the bare minimum.  When you open a share account with Adventure Credit Union, you'll never be charged a minimum balance fee or an account maintenance fee.


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
The process for opening a new CD online is virtually the same for existing members of the credit union and for people who are not yet members.  However...

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.

*APY = Annual Percentage Yield. Rates are accurate as of September 18, 2023.  Rates are subject to change at any time without notice. Minimum Balance of $500.00 required to open. Fees or penalty for early withdrawal could reduce earnings.  Early withdrawal penalty for 6-month CDs is equal to 90 days interest.  CDs with a term longer than 6 months are subject to an early withdrawal penalty equal to 180 days interest. Deposits with Adventure Credit Union are federally insured through NCUA.
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