Certificates of Deposit

Open a CD and maximize your savings.

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  • 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

Choose Your Terms.

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 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.

Putting money away can be difficult so we’ve got something to help... Introducing the Save UP CD!

The Save UP CD is designed to help everyone get in the habit of saving. The CD earns a high yield with a bonus on the dividend. The 12 month certificate can be added to on a monthly basis, up to $300.00 each month.

You can make deposits to your Save UP CD at any time throughout the month, in any increment, as long as it does not exceed an aggregate total monthly deposit of $300.00,

*APY = Annual Percentage Yield. APY is the actual rate of return if the interest earned on the account is allowed to compound throughout the term. Minimum balance to open a CD is $500. Rates current as of 1/1/2017 and are subject to change. Interest is compounded quarterly and the interest is paid at maturity. A penalty may be charged for early withdrawal of a certificate. CD specials are not applicable to IRAs. Deposits with Adventure Credit Union are federally insured through NCUA, National Credit Union Administration.

Certificates of deposit, or CDs, typically have the highest interest rates among government-insured savings products. And here at Adventure, we offer a variety of CDs plus high yield CD specials.  CDs are ideal for people who want to bolster their nest egg without assuming much risk. Building a CD ladder can be a useful tactic to further personalize your savings strategy.
 
While your money is locked away, interest rates could increase.  Or an emergency might leave you in need of that cash. CD laddering addresses these concerns.

CD laddering involves buying CDs that mature at staggered dates, rather than a single long-term CD. This 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
Contact us for more information. 

*CD Specials, APY =  Annual Percentage Yield. Promotional rate is accurate as of September 24, 2018.  Promotional Rate offer is for a limited time, subject to termination at any time without notice.  Minimum Balance of $500.00 required to open.  Interest paid and compounded on monthly basis only. Funds currently on deposit with Adventure Credit Union are not eligible for this promotional rate.  Limit of one (1) promotional account per household or business. Penalty of the equivalent of 6 months interest for early withdrawal from CDs and IRA CDs.  Maximum Deposit amount $1,000,000. Deposits with Adventure Credit Union are federally insured through NCUA, National Credit Union Administration.  7 month term. Not Available for institutional investors or brokers..